* Real platform metrics. Individual results vary. Not a guarantee of specific outcomes.
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 accurate credit reporting. If any of these sound familiar, our technology is built to change that.
Denied a Mortgage or Car Loan
You've been told your score isn't high enough. Our soft pull shows you exactly what's blocking you — in seconds — so you can take action and get approved with better terms.
Drowning in Medical Debt
Unexpected medical bills shouldn't define your financial future. Our AI identifies which medical collections can be challenged under current bureau rules and builds your optimization strategy.
Rebuilding After Divorce
Life changes are hard enough. Our platform provides tools to help untangle joint accounts, identify 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. Our AI identifies every actionable item and builds your optimization strategy automatically.
First-Time Homebuyers
Ready to buy your first home but need a better score to qualify? Our AI builds a mortgage-readiness roadmap based on your actual credit data — not guesswork.
Tired of High Interest Rates
A low credit score means you're overpaying on everything. Our AI pinpoints exactly what's dragging you down and builds a strategy to save you thousands.
The Credit Intelligence Engine, End to End
From instant soft pull to ongoing monitoring, Cradexa covers every angle — helping you Scan, Decode, Optimize, and Monitor your credit with AI-powered technology.
Instant Soft Pull & AI Scan
We pull your full 3-bureau credit report instantly — zero score impact, no third-party redirects. Our AI scans every account, balance, and inquiry to identify errors, inaccuracies, and opportunities.
AI Correction Engine
AI-generated, legally-backed bureau letters citing exact FCRA violations for each item. Multi-round escalation strategy with pay-for-delete and regulatory complaint tools.
Real-Time Credit Monitoring
Continuous 3-bureau monitoring tracks every change to your credit profile. Score alerts, new account detection, inquiry tracking — all inside your Cradexa dashboard.
AI Credit Coach
Ask questions about YOUR credit situation anytime. Our AI knows your report, your scores, and your goals — and gives personalized guidance, not generic advice.
Credit Building Strategy
Personalized roadmap for secured cards, credit-builder loans, authorized user strategies, and utilization optimization — built around your actual credit data.
One-Click Letter Mailing
Your letters printed, stuffed, stamped, and mailed via USPS with one click. First-Class and Certified options with real-time tracking. No printer needed.
Instant Soft Pull & AI Scan
We pull your full 3-bureau credit report instantly — zero score impact, no third-party redirects. Our AI scans every account, balance, and inquiry to identify errors, inaccuracies, and opportunities.
AI Correction Engine
AI-generated, legally-backed bureau letters citing exact FCRA violations for each item. Multi-round escalation strategy with pay-for-delete and regulatory complaint tools.
Real-Time Credit Monitoring
Continuous 3-bureau monitoring tracks every change to your credit profile. Score alerts, new account detection, inquiry tracking — all inside your Cradexa dashboard.
AI Credit Coach
Ask questions about YOUR credit situation anytime. Our AI knows your report, your scores, and your goals — and gives personalized guidance, not generic advice.
Credit Building Strategy
Personalized roadmap for secured cards, credit-builder loans, authorized user strategies, and utilization optimization — built around your actual credit data.
One-Click Letter Mailing
Your letters printed, stuffed, stamped, and mailed via USPS with one click. First-Class and Certified options with real-time tracking. No printer needed.
Scan. Decode. Optimize.
Four steps. Zero guesswork. Our technology handles the complexity so you can focus on your financial future.
Create Your Account
Sign up in 60 seconds. No credit card, no commitment, no fine print.
We Pull Your Credit
Our soft pull technology pulls your full 3-bureau report instantly. Zero impact on your score. No third-party redirects — your data stays in your dashboard.
AI Decodes Your Data
Our AI scans every account, identifies errors and inaccuracies, and builds a custom optimization strategy for YOUR specific profile. Not templates — real analysis.
Optimize & Monitor
AI-generated letters, one-click mailing, real-time monitoring, and ongoing strategy adjustments. Your entire credit journey in one dashboard.
No credit card · No score impact · No commitment
AI That Actually Understands Your Credit
Most credit companies use generic templates and outdated processes. Our AI analyzes your actual bureau data through soft pull technology and builds a personalized strategy unique to your situation.
Direct Bureau Data Analysis
We pull your credit data directly from the bureaus via soft pull — no PDF uploads needed. Every account, every balance, every status analyzed in real-time.
Instant AI Analysis
Your full 3-bureau report scanned and analyzed in under 60 seconds. Errors identified, strategy generated, roadmap created — instantly.
Personalized Bureau Letters
Every letter is crafted specifically for your accounts, citing exact FCRA violations. No copy-paste templates.
3-Round Escalation Strategy
If bureaus don't respond? Escalate with templates. Round 1: Standard challenge. Round 2: Legal method letters. Round 3: Regulatory complaint tools. Nobody else gives you this.
AI Credit Coach
Ask questions about YOUR credit situation anytime. Our AI knows your report, your scores, and your goals.
Bilingual EN/ES
Full platform in English and Spanish. Because credit intelligence shouldn't have a language barrier.
Simple Pricing. No Surprises.
All plans include 3-bureau soft pull reports and letter mailing. Month-to-month, billed in arrears (after services are completed). Maximum contract term: 6 months. A one-time $59 Credit Audit Fee is charged after your initial audit is completed.
Included in Every Paid Plan
Credit Checkup
See what's on your credit report
Free AI credit analysis. No card required. No obligation.
Try Free- AI-powered credit profile overview
- Score simulator & what-if scenarios
- Interest savings calculator
- Personalized credit roadmap
- No credit card required
Starter
Best for individuals starting their credit journey
3-bureau soft pull, AI-powered credit analysis, and one optimization cycle per month with progress tracking.
Get Started- 3-bureau soft pull credit report
- AI-powered credit analysis & strategy
- 1 optimization cycle per month (up to 5 items)
- Real-time dashboard & progress tracking
- Secure document vault
- First-Class mailing included (3 letters/mo)
- Email support
Accelerator
Best for faster, more comprehensive results
Two optimization cycles per month with real-time credit monitoring, AI coach, and First-Class mailing included.
Get Started- Everything in Starter, plus:
- 2 optimization cycles per month (up to 10 items)
- Multi-round strategy engine
- Goodwill & negotiation letter generator
- AI credit coach (24/7 personalized guidance)
- Cease & desist + debt validation templates
- Real-time 3-bureau credit monitoring
- Phone & email support
- First-Class mailing included (6 letters/mo)
VIP
Best for complex cases or dedicated support
Unlimited optimization cycles with a dedicated consultant. Certified mailing and monthly soft pull refreshes included.
Get Started- Everything in Accelerator, plus:
- Unlimited optimization cycles
- Pay-for-delete negotiation tools
- Advanced legal letter templates
- Dedicated credit consultant
- Priority phone & text support
- Certified mailing included (9 letters/mo)
- Monthly soft pull refreshes
Couples
Best for two people, one plan
Starter plan for two. Separate dashboards, personalized strategies, and First-Class mailing included.
- Everything in Starter — for 2 people
- Separate dashboards & tracking
- 3-bureau soft pull for both
- AI-powered analysis for both
- 1 optimization cycle each (up to 5 items)
- Secure document vault for both
- First-Class mailing included for both
🛡️ 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 Licensed: Cradexa is a registered Credit Services Organization under Texas Finance Code, Chapter 393 (Registration #20260037).
Additional Mailing — Beyond Plan Limits
First-Class Mail
$2.99/letter
Certified Mail + Tracking
$14.99/letter
All paid plans include letter mailing. The prices below apply only to additional letters beyond your monthly plan limit.
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 optimization, our technology, and your rights.
Still have questions?
Start your free credit checkup to see exactly what our AI finds on your report.
Start Free CheckupYour Credit JourneyStarts with One Scan.
Get your free 3-bureau soft pull and see what our AI finds. Zero score impact. Zero commitment. Just your data, decoded.
✓ No upfront fees · ✓ Cancel anytime · ✓ CROA compliant · ✓ 3 Bureau coverage
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.