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Credit Stamina
Credit Stamina uses AI to analyze your credit report, build your action plan, and generate professional dispute letters â so you can repair your own credit without paying expensive agencies.
Stop paying credit repair agencies thousands of dollars. With Credit Stamina, you have the same tools â at a fraction of the cost.
Credit Stamina
Accounts with past due balances actively hurting your score
Collections & charge-offs that may be negotiated or disputed
Stable accounts â let time do the work
Select Bureau
Drag & drop your PDF here
or
Supports Equifax, Experian, TransUnion PDFs âĸ Max 20MB
Need a report? Get your WEEKLY free report at AnnualCreditReport.com
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No letters yet. Generate your first dispute letter!
No scores logged yet. Start tracking your progress!
All credit reports you've imported
No reports uploaded yet. Upload your first credit report!
No journal entries yet. Add notes, tasks, or next steps to track your progress.
Set up your budget to create a personalized debt payoff plan
Create your budget to start planning your debt payoff strategy
Create a personalized debt payment plan based on your budget.
AI-powered personalized plan
AI is reviewing your accounts, budget, and dispute letters.
This may take 15â30 seconds...
â ī¸ 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.
Your $24.99/month plan includes 2 users. Invite a partner or spouse to track their credit too.
Earn 200 Stamina Points for every friend who subscribes. They get a great credit repair tool, you get closer to a free month!
Manage your Credit Stamina data
Manage your subscription payments and billing history
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Last updated: March 2026
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.
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.
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.
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.
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.
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.
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.
Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
We reserve the right to modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the new Terms.
For questions about these Terms, contact us at support@creditstamina.com
Last updated: March 2026
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.
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.
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.
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.
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.
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.
We use minimal cookies necessary for authentication and session management. We do not use tracking or advertising cookies.
The Service is not intended for users under 18 years of age. We do not knowingly collect information from minors.
We will notify you of significant changes to this policy via email or in-app notification.
For privacy questions or data requests, contact us at privacy@creditstamina.com
Offer to pay a collection in exchange for deletion from your credit report.
Why send certified mail?
đĄ Tip: Certified mail is the professional standard for credit repair disputes and provides you with legal protection.
Leave blank to skip a bureau
See how actions could impact your credit score
Your free trial has ended. Subscribe to generate AI-powered dispute letters and continue repairing your credit.
Send this dispute letter via USPS Certified Mail with tracking. ~$8-12 per letter.
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Get notified about important credit repair events so you never miss a deadline.
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