Fix your credit your way, with AI and real experts.
Review your report, see exactly what's holding your score back, and choose how to move forward - CoolCredit's own app, or a reviewed professional. You stay in the driver's seat the whole way.
You choose who to contact
Nothing shared without your say
Your credit picture
All three bureaus · updated today
Collection - Midland
In review
Booster payment reported
Added
AI insightDispute 1 item - est. +18
New
Choose the credit help that's right for you
Credit repair isn't one-size-fits-all. Let us review your credit picture, and match you with vetted providers: you compare, choose, and connect on your own terms.
- 1
We analyze your fileAcross Equifax, Experian & TransUnion.
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You compare & chooseRated, reviewed providers, side by side.
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You reach out when you're readyYour profile is shared only when you decide.
Your data stays private until you decide to connect. See how this works →
Browse & choose your pro
Verified, rated, readyA live look at your matches: every provider licensed and vetted before they ever appear on your list.
4.64.4
Licensing confirmed before listing- Ratings pulled from real customer reviews
- New partners assessed as they're added
Everything you need to fix and build your credit
The same AI engine and expert support the CoolCredit app is known for, now with the freedom to bring in outside help if you ever want it.
Credit Analysis
Get a complete analysis across all three bureaus, identify what's hurting your score, and receive a personalized action plan based on what matters most.
Dispute Strategy
AI and credit experts work together to build effective dispute strategies, generate tailored letters, and track every step until resolution.
Resolved
Expert Assist
Connect with dedicated credit specialists for guidance, answers, and support throughout your credit improvement journey.
Positive Reporting
Add eligible Booster trade lines to your credit profile and strengthen the foundation of a healthier credit score.
Fix it yourself, or let an expert handle it
Two honest paths, same goal. Start your journey in the app today, or compare credit repair companies. Either way, the call is yours.
Your score712▲ +24Repair with CoolCredit
Our AI handles analysis, disputes, and positive reporting while you track progress. Expert Assist is there when you want a hand.
- Boost & Repair tools, right in the app
- Your data stays in your hands
- No high upfront fees
4.64.4Match with a reviewed company
Bring in a pro to run point. Compare vetted credit-repair companies by rating, focus, and intake terms. Then reach out to the one you choose.
- Ratings, reviews & clear specialties
- Sponsored listings clearly labeled
- You decide who to contact
One search. Every reasonable option.
Compare CoolCredit's in-house path with reviewed third-party companies. Sponsored placements are clearly labeled so you always know what you're looking at.
CoolCredit is free to use. When you choose to contact a company, we securely share the information you've provided to help them assist you. Some companies pay for sponsored placement, which is always clearly labeled. How this works →
Repairing your credit is just the first step
CoolCredit doesn't stop at repair. Once we understand your full credit picture, we guide you to the next right move, so you keep building, not just fixing. Each step is matched to where you actually are.
Fix & build credit
Analyze your report, dispute inaccuracies, and add positive reporting to lift your score.
YOU'RE HERE
Tax resolution
If we spot tax liens or back-tax debt weighing on your file, we'll connect you with vetted tax-relief help.
REVIEWED PARTNER
Debt consolidation
Managing several high balances at once? We'll point you to a path that simplifies them into one manageable plan.
REVIEWED PARTNER
Revolving credit line
Once your score qualifies, access a CoolCredit builder card or credit line to keep momentum going.
COOLCREDIT
We only suggest a next step when your profile actually calls for it - no upsells you don't need. Some paths are served by reviewed partners, who may pay a referral fee. It never changes your price.
Your whole credit journey, in your pocket
Credit analysis, dispute strategy, monthly progress, and positive reporting - with AI and experts handling what slows you down. A clear view of your progress, every step.
