ScoreSurgery

ScoreSurgery is a mobile + web AI-assisted credit score action planner that turns a user’s credit report into a prioritized, realistic checklist tied to expected score impact and timelines. Instead of generic “pay down debt” advice, it models utilization changes, payment timing, dispute likelihood, and account strategies (e.g., AZEO, balance cycling, goodwill letters) and warns when a move can backfire. Users connect via Plaid for balances and upload/ingest reports from Experian/Equifax/TransUnion; the app then generates a weekly plan, reminders, and scripts for calls/letters. It tracks progress, simulates “what-if” scenarios (pay $X, remove late mark, add secured card), and flags predatory products. Monetization is subscription plus optional affiliate revenue from vetted secured cards/credit-builder loans (clearly disclosed). Brutal truth: you won’t beat the bureaus or banks, but you can consistently help people avoid dumb moves and optimize the moves that matter.