CreditTrail

CreditTrail is a web + mobile AI-assisted credit monitoring and dispute workflow app built for people who are actively trying to improve their score, not just “watch it.” It connects to the three bureaus (via a data provider), imports tradelines and inquiries, then flags high-impact anomalies (duplicate accounts, wrong limits, stale delinquencies, identity-mismatch signals). The app generates dispute packets with evidence checklists, prefilled letters, and a step-by-step timeline so users don’t miss deadlines. It also tracks utilization and payment timing, recommending realistic actions (e.g., which card to pay first) while clearly stating what it cannot change. A “lender view” simulator shows how common underwriting rules might interpret the file, so users understand why their score isn’t moving. It’s not magic: results depend on data accuracy and user follow-through, but it makes the process organized and measurable.