Everything Your Credit Needs to Thrive
A complete suite of credit intelligence and financial coaching services — all in one place, with real experts and real AI technology backing every step.
Instant Soft Pull & AI Credit Scan
We start by pulling your full 3-bureau credit report using our soft pull technology — zero score impact. Our AI then scans every account, balance, inquiry, and public record to identify errors, inaccuracies, and actionable items across Experian, Equifax, and TransUnion.
- Instant 3-bureau soft pull — zero score impact
- AI-powered analysis identifies errors human reviewers miss
- Categorization: errors, outdated items, unverifiable accounts
- Detailed written report of findings with action priority scores
- Initial consult call to walk you through every finding
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Error Correction & Removal
Our correction tools are methodical, legal, and thorough. The AI generates individualized bureau letter templates for each item, backed by the Fair Credit Reporting Act and your consumer rights — you track every bureau response until items are corrected or removed.
- FCRA-grounded bureau letters for each bureau and item
- Targeting: inaccurate data, identity errors, duplicate accounts
- Negotiation with original creditors when applicable
- Response tracking and re-submission when bureaus don't comply
- Documentation of all communications for your records
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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: in process, under review, resolved
- Monthly progress reports with plain-English explanations
- Alerts for new inquiries, new accounts, or significant changes
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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
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Financial Coaching
We don't just provide dispute tools — we help you understand your credit. Access educational resources covering credit fundamentals, debt management strategies, and long-term financial planning.
- AI-powered coaching and educational resources
- 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
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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
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Express Mail Center
One click and your letters are printed, stuffed, stamped, and mailed via USPS. Choose First-Class or Certified Mail with real-time tracking — no trips to the post office, no printer needed.
- One-click mailing directly from your dashboard
- First-Class letters: $2.99/letter (3–5 business days)
- Certified Mail with tracking: $14.99/letter
- Accelerator plan includes FREE First-Class mailing
- VIP plan includes FREE Certified mailing
- Real-time USPS tracking for every letter
- Professional printing and formatting included
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Credit Monitoring & Soft Pull Reports
Continuous 3-bureau monitoring powered by our direct soft pull technology. Track every change to your credit profile — new accounts, hard inquiries, score changes, and suspicious activity — all inside your Cradexa dashboard. No separate app, no extra login.
- Direct 3-bureau soft pull (Experian, Equifax & TransUnion)
- Continuous credit monitoring across all three bureaus
- Real-time score tracking and change alerts
- New account and hard inquiry detection
- All monitoring data inside your Cradexa dashboard
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Included with all paid plans. Monitoring data appears directly in your Cradexa dashboard.
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 optimization 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.
Book Free Consultation