Welcome aboard.
You've just signed up for a private credit strategy app that turns the messy reality of revolving debt into a calm, clear path forward. Here's how it works.
Add your cards
You'll add each credit card you carry a balance on — either by typing in the numbers from your statement, or by uploading a screenshot from your bank app. We need balance, limit, APR, and statement-close date.
We build your strategy
The app analyzes your utilization across all cards, identifies FICO threshold crossings, and produces a custom biweekly payment plan designed to maximize your credit score gains.
Execute and Track
Check off each payment as you make it. Log transactions on individual cards. The plan re-calculates in real time. Ask the Coach anything along the way.
Watch your score climb
Every threshold you cross — 88.9%, 68.9%, 48.9%, 28.9% — triggers a discrete score jump in your next statement cycle. The Coach explains what's happening and why.