Find Out What's Really Killing Your Credit.
The AI tool that reads your credit report and tells you exactly what to fix, in what order, and what it's costing you every month.
The Problem
Credit is confusing. Errors persist. Dreams stall.
Mysterious credit drops
Your score tanked and you don't even know why. The bureaus won't explain it in plain English.
Errors that won't go away
You found mistakes on your report but don't know how to write a legal dispute letter that actually works.
No clear path forward
You want a better score but don't know exactly what to do this month — let alone the next 90 days.
The Solution
Two free tools. One premium roadmap. Real results.
Finally understand your credit in plain English
Chat with Aria, our AI credit expert. She'll diagnose your situation, explain what's hurting your score, and deliver a personalized 30-day action plan.
- Personalized 5–7 question diagnostic
- Plain-English explanation of your credit factors
- 30-day step-by-step action plan
- No credit card required
Credit Explainer
Chat with Aria, our AI credit expert. She'll diagnose your situation, explain what's hurting your score, and deliver a p...
Fight back with FCRA-compliant dispute letters
Generate a complete, legally sound dispute letter in minutes. Cites the Fair Credit Reporting Act (15 U.S.C. § 1681i) and is ready to mail to Equifax, Experian, or TransUnion.
- FCRA-compliant legal language
- Auto-formatted for all 3 bureaus
- Copy or download instantly
- Cites 15 U.S.C. § 1681i (Section 611)
Dispute Letter Generator
Generate a complete, legally sound dispute letter in minutes. Cites the Fair Credit Reporting Act (15 U.S.C. § 1681i) an...
Your personalized roadmap from today's score to your goal
Answer a few questions and get a 3-phase, 90-day action plan — Clean Up, Build Up, Lock In — with checkable tasks and a projected score range.
- 3-phase 90-day roadmap
- Specific actions for your negatives & utilization
- Check off tasks and track progress
- Projected score range when complete
90-Day Credit Blueprint
Answer a few questions and get a 3-phase, 90-day action plan — Clean Up, Build Up, Lock In — with checkable tasks and a ...
How It Works
Get results in 3 simple steps
Pick your tool
Start with the free Credit Explainer or Dispute Letter, or unlock the full 90-Day Credit Blueprint.
Answer a few questions
Our AI asks simple questions — no jargon, no credit check, no forms to fax.
Get your personalized plan
Instant results you can act on today: letters to mail, steps to take, and a roadmap to follow.
Prefer done-for-you?
Let our team fix your credit for you.
Book a free 15-minute consultation with a Truth Capital specialist. No card, no pressure — just a real plan.
FAQ
Questions? Answered.
Ready to take control?
Join thousands of people fixing their credit and building their future — start free, upgrade when you're ready.