AI-Powered Analysis
CROA Compliant
3-Bureau Coverage
Houston, TX Based
Why Clients Trust Cradexa
Credit Problems Don't Define You.
Life happens. Whether it's medical bills, divorce, or just a few mistakes along the way — you deserve a fresh start. If any of these sound familiar, we're here to help.
Denied a Mortgage or Car Loan
You've been told your score isn't high enough. We help you fix what's holding it back so you can get approved with better terms.
Drowning in Medical Debt
Unexpected medical bills shouldn't define your financial future. Many medical collections can be disputed and removed from your report.
Rebuilding After Divorce
Life changes are hard enough. We'll help untangle joint accounts, correct inaccuracies, and rebuild your credit on your own terms.
Collections & Late Payments
Old collections and late payment marks can drag your score down for years. We challenge what's inaccurate so your report reflects the real you.
First-Time Homebuyers
Ready to buy your first home but need a better score to qualify? We'll create a plan to get you mortgage-ready as fast as possible.
Tired of High Interest Rates
A low credit score means you're overpaying on everything. Even a modest score increase can save you thousands in interest over time.
Complete Credit Repair, Start to Finish
From the first audit to the final score goal, Cradexa covers every angle with technology and expertise working together.
Credit Report Audit
We pull and analyze all three credit reports — Experian, Equifax, and TransUnion — identifying every error, inaccuracy, and disputable item.
Dispute & Error Removal
Our experts craft legally-sound dispute letters backed by FCRA consumer protections, targeting outdated debts, duplicate accounts, and identity errors.
AI-Powered Score Tracking
Real-time dashboard with AI predictions showing how each action impacts your score — so you always know what's working.
Financial Coaching
1-on-1 strategy sessions with certified credit advisors who help you understand your finances and make smarter long-term decisions.
Credit Building Tools
Guidance on secured cards, credit-builder loans, authorized user strategies, and other proven methods to establish or rebuild positive history.
Credit Report Audit
We pull and analyze all three credit reports — Experian, Equifax, and TransUnion — identifying every error, inaccuracy, and disputable item.
Dispute & Error Removal
Our experts craft legally-sound dispute letters backed by FCRA consumer protections, targeting outdated debts, duplicate accounts, and identity errors.
AI-Powered Score Tracking
Real-time dashboard with AI predictions showing how each action impacts your score — so you always know what's working.
Financial Coaching
1-on-1 strategy sessions with certified credit advisors who help you understand your finances and make smarter long-term decisions.
Credit Building Tools
Guidance on secured cards, credit-builder loans, authorized user strategies, and other proven methods to establish or rebuild positive history.
Simple Steps. Real Results.
We've designed our process to be clear, transparent, and stress-free — because fixing your credit shouldn't add more complexity to your life.
Book Your Free Consultation
Schedule a no-obligation call with one of our credit specialists. We'll review your situation, explain exactly how we can help, and answer every question — zero pressure.
Receive Your Custom Plan
We pull all three credit reports, run our AI analysis, and build a personalized roadmap targeting every error and negative item. You'll see exactly what we'll challenge and why.
Watch Your Score Climb
We handle all disputes and negotiations while you track every update in real time through your dashboard. Most clients see meaningful results within 30–60 days.
No credit card · No commitment
Plans That Work for You. Zero Surprises.
All plans are month-to-month with no contracts and no upfront fees. Your first payment is only processed after we send your first round of disputes.
Credit Checkup
Best for anyone curious about their credit health
See where you stand — completely free, no credit card required.
Try Free- AI credit report analysis
- Score simulator & what-if engine
- Savings calculator
- Credit building action plan
- No credit card required
Starter
Best for individuals with a few items to dispute
AI-powered credit repair to get you started.
Get Started- AI credit report analysis (all 3 bureaus)
- Personalized AI dispute letters
- 1 dispute round / up to 5 items per month
- Client dashboard & progress tracking
- Document vault (all letters saved)
- Email support
Accelerator
Best for comprehensive repair and faster results
Faster results with double the firepower.
Get Started- Everything in Starter, plus:
- 2 dispute rounds / up to 10 items per month
- Multi-round dispute strategy engine
- CFPB complaint filing guide + AI generator
- AI credit coach (personalized chatbot)
- Aggressive + goodwill letters
- Weekly score tracking
- Phone & email support
VIP
Best for complex cases needing dedicated attention
White-glove service with your own credit consultant.
Get Started- Everything in Accelerator, plus:
- Unlimited dispute rounds
- Pay-for-delete negotiation templates
- Cease & desist letters
- Debt validation letters
- Personal credit consultant
- Priority phone & text support
- Expedited processing
Couples
Best for couples or partners working on credit together
Starter plan for two — fix your credit together.
- Everything in Starter — for 2 people
- Separate dashboards & dispute tracking
- AI credit report analysis for both
- Personalized dispute letters for both
- 1 dispute round / up to 5 items each per month
- Document vault for both
- Save $19/mo vs two Starter plans
🛡️ CROA Compliant: You are not charged until after services begin. Cancel anytime within 3 business days of signing.
Important Information About Our Services
- No upfront fees: Pursuant to the Credit Repair Organizations Act (CROA), 15 U.S.C. §1679b(b), Cradexa does not charge any fee before fully performing the services it has agreed to perform.
- Right to Cancel: You have the right to cancel your contract with Cradexa without penalty within 3 business days of signing.
- Results may vary: We do not guarantee the removal of any specific item from your credit report or a specific credit score increase.
- Month-to-month: No long-term contracts. Cancel at any time.
- Texas CSO: Cradexa operates under Texas Finance Code, Chapter 393 as a Credit Services Organization.
- 90-day guarantee: If you're not satisfied within the first 90 days, we'll refund your payments — no questions asked.
How Much Is Bad Credit Costing You?
Move the slider to your current score and see the real cost of waiting.
You're overpaying an estimated
$223,871
vs. someone with a 740 score
30-Year Mortgage ($300K)
+$211,222
9.5% vs 6.7% APR
Auto Loan ($35K, 5-Year)
+$11,224
16.5% vs 5.8% APR
Credit Card ($5K Balance, 3 Yrs)
+$1,425
27.5% vs 18.0% APR
* Calculations are estimates based on average market rates. Individual rates vary by lender, loan type, and credit profile.
Frequently Asked Questions
Straight answers about credit repair, our process, and your rights.
Still have questions?
Our credit specialists are happy to answer any questions during your free consultation.
Talk to a SpecialistReady to Take Control of Your Credit?
Book your free 30-minute consultation today. No pressure, no commitment. Just honest advice about what we can do for you.
Book Free ConsultationNo upfront fees · Cancel anytime · 90-day guarantee
By submitting your information, you agree to our Privacy Policy and Terms of Service. You have the right to cancel within 3 business days of signing any contract. Individual results may vary.