Credit Stamina

⭐ AI-Powered Credit Guidance

You Do the Work.
We Make It Easy.

Credit Stamina uses AI to analyze your credit report, build your action plan, and generate professional dispute letters — so you can repair your own credit without paying expensive agencies.

🎉 Free trial • Then $24.99/mo for up to 2 users — less than most TV streaming services!

How It Works

Upload Your Credit Report Download your free PDF report from AnnualCreditReport.com (available WEEKLY at no charge) and upload it to Credit Stamina.

AI Analyzes Every Account Our AI reads your report and sorts every account into a repair strategy — what to dispute, what to pay, what to monitor.

Follow Your Action Plan We generate your dispute letters and tell you exactly what to send, to whom, and when. You send them — we guide every step.

Track Your Progress Log your scores monthly and watch your credit improve over time with beautiful charts.

⭐

AI-Powered Analysis AI reads your credit report and instantly categorizes every account by damage level and the best repair strategy.

✉️

Professional Dispute Letters AI-generated pay-for-delete, goodwill, bureau dispute, and debt validation letters — ready to print and mail.

🎯

Step-by-Step Guidance We don't do it for you — we give you the exact tools, letters, and knowledge to do it yourself and keep 100% of the results.

Score Tracking Log your scores from all 3 bureaus and watch your progress with beautiful charts over time.

✅

Personalized Action Queue Never miss a step. Your action plan tells you exactly what to do next — no guessing, no confusion.

👨‍👩‍👧

2 Users Per Account One $24.99/mo plan covers you and a partner or spouse. Repair both credit profiles together.

Where Do You Stand?

300–499 Very Poor Urgent action needed

500–579 Poor Significant work ahead

580–669 Fair Room to improve

670–739 Good On the right track

740–799 Very Good Almost there!

800–850 Exceptional Elite credit status

Ready to Take Control?

Stop paying credit repair agencies thousands of dollars. With Credit Stamina, you have the same tools — at a fraction of the cost.

$24.99/mo Up to 2 users • Cancel anytime

Total Accounts

🔴 Active Damage

🟡 Removable

🟢 Aging/Monitor

🔴 Active Damage

Accounts with past due balances actively hurting your score

🟡 Removable

Collections & charge-offs that may be negotiated or disputed

🟢 Aging/Monitor

Stable accounts — let time do the work

Action Queue

🔄 Follow Ups 0

Import Credit Report

Select Bureau

Equifax

Experian

TransUnion

📄

Drag & drop your PDF here

Browse File

Supports Equifax, Experian, TransUnion PDFs • Max 20MB

Need a report? Get your WEEKLY free report at AnnualCreditReport.com

Dispute Letters

✉️

No letters yet. Generate your first dispute letter!

Score Tracker

No scores logged yet. Start tracking your progress!

Upload History

All credit reports you've imported

🗂

No reports uploaded yet. Upload your first credit report!

💰 Budget Planner

Set up your budget to create a personalized debt payoff plan

Monthly Budget Summary

Monthly Income

Total Expenses

Available for Debt

Total Debt

Unique accounts (duplicates removed)

Expense Breakdown

Essential Expenses $0

Discretionary Expenses $0

Credit Recovery Plan

AI-powered personalized plan

Estimated Score Projection AI Estimate

Current

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→

3 Months

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6 Months

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12 Months

—

⚠️ Estimates only. Actual results vary based on bureau reporting, payment history, and individual factors. Not financial advice.

Analyzing Your Credit Profile...

AI is reviewing your accounts, budget, and dispute letters.

This may take 15–30 seconds...

⚠️ AI Disclaimer: This plan is generated by AI and is for informational purposes only. It does not constitute financial or legal advice. Results may vary.

Profile & Settings

Personal Information

First Name

Last Name

Phone Number

📍 Mailing Address ★ Required for letters

Street Address Line 1

Street Address Line 2 (Optional)

City

State

ZIP Code

Account

My Goal

📧 Email Notifications

Get notified when letters are ready, plans are generated, and reports are uploaded.

📚 App Tutorial

Replay the getting started tutorial to review how Credit Stamina works.

👨‍👩‍👧 Household Members

Your $24.99/month plan includes 2 users. Invite a partner or spouse to track their credit too.

Invite Partner / Spouse

🎁 Refer a Friend

Earn 200 Stamina Points for every friend who subscribes. They get a great credit repair tool, you get closer to a free month!

Subscription

Data

Manage your Credit Stamina data

💰 Billing & Payments

Manage your subscription payments and billing history

Credit Stamina Premium $24.99/month

✓ Unlimited dispute letters ✓ AI-powered credit analysis ✓ 2 household users included ✓ All premium features

Payment Method

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Upcoming Payment

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Payment History

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Legal

💬 Feedback

Help us improve Credit Stamina! Share your thoughts and suggestions.

⚙️ Admin

Terms of Service

Last updated: March 2026

1. Acceptance of Terms

By accessing and using Credit Stamina ("the Service"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

Credit Stamina is a credit repair management tool that helps users organize their credit accounts, generate dispute letters, track their credit repair progress, and receive AI-powered guidance. We are not a credit repair organization as defined under federal or state law, and we do not provide legal advice.

3. User Responsibilities

You are responsible for maintaining the confidentiality of your account credentials. You agree to provide accurate information and to use the Service only for lawful purposes. You may not use the Service to submit false disputes or engage in any fraudulent activity.

4. Subscription and Billing

Credit Stamina offers a 7-day free trial followed by a $24.99/month subscription. Your subscription will automatically renew unless cancelled. You may cancel at any time through your account settings. Refunds are not provided for partial months.

5. Stamina Points and Rewards

Stamina Points are earned through legitimate use of the Service. Points have no cash value and may only be redeemed for subscription discounts as described in the app. We reserve the right to modify or discontinue the points program at any time.

6. Disclaimer of Warranties

The Service is provided "as is" without warranties of any kind. We do not guarantee specific credit score improvements. Results vary based on individual credit history and circumstances. AI-generated dispute letters should be reviewed before sending.

7. Limitation of Liability

Credit Stamina shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Service. Our total liability shall not exceed the amount paid by you in the 12 months preceding the claim.

8. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

9. Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the new Terms.

10. Contact

For questions about these Terms, contact us at support@creditstamina.com

Privacy Policy

Last updated: March 2026

1. Information We Collect

We collect information you provide directly, including your name, email address, mailing address, and credit report data you upload. We also collect usage data such as features used, actions taken, and credit scores you log.

2. How We Use Your Information

We use your information to provide and improve the Service, generate personalized dispute letters, provide AI-powered credit repair guidance, send service-related communications, and process payments through Stripe.

3. Credit Report Data

Credit report data you upload is processed by our AI to extract account information. This data is stored securely in our database and is never sold or shared with third parties. You can delete all your data at any time from your account settings.

4. Data Security

We use industry-standard encryption and security practices. Your data is stored on Supabase with row-level security. Payment processing is handled by Stripe and we never store your payment card information.

5. Data Sharing

We do not sell your personal information. We share data only with service providers necessary to operate the Service (Supabase for database, Stripe for payments, AI processing services, Resend for email). All providers are bound by confidentiality agreements.

6. Your Rights

You have the right to access, correct, or delete your personal data at any time. Use the "Clear All My Data" option in your account settings to delete all stored data. To request a full data export, contact support@creditstamina.com.

7. Cookies

We use minimal cookies necessary for authentication and session management. We do not use tracking or advertising cookies.

8. Children's Privacy

The Service is not intended for users under 18 years of age. We do not knowingly collect information from minors.

9. Changes to Privacy Policy

We will notify you of significant changes to this policy via email or in-app notification.

10. Contact

For privacy questions or data requests, contact us at privacy@creditstamina.com

🍪 Cookie Preferences

Customize Cookie Preferences

Essential Cookies

Analytics Cookies

Marketing Cookies

You Do the Work.We Make It Easy.

How It Works

Where Do You Stand?

Ready to Take Control?

Action Queue

🔄 Follow Ups 0

Import Credit Report

Dispute Letters

Score Tracker

Upload History

💰 Budget Planner

Monthly Budget Summary

Monthly Income

Total Expenses

Available for Debt

Total Debt

Expense Breakdown

No Budget Set Up Yet

📋 Debt Payment Plans

💰 Set Your Budget

📊 Income

Essential Expenses

🎉 Discretionary Expenses

📋 Create Debt Payment Plan

Credit Recovery Plan

Analyzing Your Credit Profile...

Profile & Settings

Personal Information

📍 Mailing Address ★ Required for letters

Account

👨‍👩‍👧 Household Members

🎁 Refer a Friend

Subscription

Data

💰 Billing & Payments

Payment Method

Upcoming Payment

Payment History

Legal

💬 Feedback

⚙️ Admin

Terms of Service

1. Acceptance of Terms

2. Description of Service

3. User Responsibilities

4. Subscription and Billing

5. Stamina Points and Rewards

6. Disclaimer of Warranties

7. Limitation of Liability

8. Privacy

9. Changes to Terms

10. Contact

Privacy Policy

1. Information We Collect

2. How We Use Your Information

3. Credit Report Data

4. Data Security

5. Data Sharing

6. Your Rights

7. Cookies

8. Children's Privacy

9. Changes to Privacy Policy

10. Contact

Account Details

Add Manual Action

Generate Dispute Letter

Letter

Send via Certified Mail

📊 Log Credit Scores

⚙️ Manage User

Unlock Dispute Letters

📬 Send via Certified Mail

🎯 Your 30/60/90 Day Action Plan

🔔 Smart Notifications

Your Score Prediction

You Do the Work.
We Make It Easy.