Everything Your Credit Needs to Thrive
A complete suite of credit repair and financial coaching services — all in one place, with real experts and real technology backing every step.
3-Bureau Credit Report Audit
Before we can fix anything, we need to see the full picture. Cradexa pulls your Experian, Equifax, and TransUnion reports and runs them through our AI analysis engine to identify every error, discrepancy, and disputable item.
- Comprehensive analysis of all three credit bureaus
- AI-powered identification of errors human reviewers miss
- Categorization: errors, outdated items, unverifiable accounts
- Detailed written report of findings with dispute priority scores
- Initial consult call to walk you through every finding
Dispute & Error Removal
Our dispute process is methodical, legal, and relentless. We craft individualized dispute letters for each item, backed by the Fair Credit Reporting Act and your consumer rights — then track every bureau response until items are corrected or removed.
- FCRA-grounded dispute letters for each bureau and item
- Targeting: inaccurate data, identity errors, duplicate accounts
- Negotiation with original creditors when applicable
- Response tracking and re-dispute when bureaus don't comply
- Documentation of all communications for your records
AI-Powered Score Tracking
Our proprietary dashboard gives you real-time visibility into your credit profile. AI analysis predicts how specific actions will impact your score, helping you prioritize what moves the needle most.
- Real-time credit score monitoring across all 3 bureaus
- AI score impact predictions for different actions
- Item-by-item tracking: disputed, under review, resolved
- Monthly progress reports with plain-English explanations
- Alerts for new inquiries, new accounts, or significant changes
Personalized Credit Roadmap
No two credit profiles are alike. We build a custom action plan based on your specific situation, goals, and timeline — outlining every step from current state to your target score.
- Custom score improvement roadmap
- Timeline estimates based on your specific profile
- Prioritized action items ranked by score impact
- Debt payoff sequencing recommendations
- Credit utilization optimization strategy
Financial Coaching
We don't just fix your credit — we help you understand it. Our certified financial coaches provide 1-on-1 sessions covering credit fundamentals, debt management, and long-term financial planning.
- 1-on-1 sessions with a certified credit advisor
- Credit utilization, payment history, and credit mix education
- Debt reduction strategies and prioritization
- Budgeting basics and financial habit building
- Guidance on when and how to apply for new credit
Credit Building Tools & Strategy
Sometimes the fastest path to a better score isn't just removing negatives — it's adding positives. We guide you through proven methods to establish or strengthen your credit history.
- Secured credit card strategy and recommendations
- Credit-builder loan guidance
- Authorized user account strategy
- Proper credit application timing and sequencing
- Long-term credit health maintenance plan
Our Compliance Commitment
Cradexa operates in full compliance with the Credit Repair Organizations Act (CROA) and the Texas Finance Code, Chapter 393 (Credit Services Organizations). We never charge fees before services are performed, we always provide you with your consumer rights in writing, and we maintain the 3-day right of cancellation without penalty.
Individual results vary. We do not guarantee the removal of specific items or specific credit score increases. Credit repair services complement — but do not replace — responsible personal financial management.
Not Sure Which Service You Need?
Our free consultation helps us understand your situation and recommend the right plan.
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