AI-Powered Credit & Financial Intelligence

Your Credit Score.
Your Operating System.

Real-time monitoring, dispute automation, and AI coaching — built for people serious about building wealth and financial freedom.

Start Your Enrollment See What's Included
3
Credit Bureaus Monitored
24/7
Real-Time Alerts
100%
FCRA-Compliant Disputes
AI
Coaching Built In
Trusted Technology Stack
Equifax Experian TransUnion FCRA Compliant 256-bit SSL Encrypted

Platform Features

Everything your credit journey needs

One system that monitors, disputes, coaches, and tracks — so nothing falls through the cracks.

Credit Command Center

3-bureau reports & scores, Report Change Radar™, and What Changed?™ plain-English summaries — your full credit picture in one dashboard.

Real-Time Alerts

Instant notifications the moment anything changes across Equifax, Experian, or TransUnion — new accounts, inquiries, score shifts, and more.

What-If Lab™

Turn your credit profile into a private simulation environment. Model paydown scenarios, utilization changes, and goal timelines before making a move.

RJ AI Credit Coach™

Ask about your credit, debt strategies, or financial goals. The AI Coach works from your actual authorized data — not generic advice.

Advanced Dispute Workspace

Member-controlled tools to organize, document, and track legitimate credit report disputes — with correspondence management and follow-up reminders.

Know Before You Apply™

Home, auto, credit, and funding readiness centers — complete intelligence so you're prepared before you ever fill out an application.

Simple Process

Up and running in three steps

No complicated setup. No waiting weeks. You're enrolled, monitored, and coached from day one.

1

Choose Your Plan

Select Epic, Pro, or Ultimate based on your goals. Every plan includes full 3-bureau monitoring and dispute access.

2

Create Your Account

Enrollment takes under two minutes. Your account is created instantly and monitoring begins the same day.

3

Track Your Progress

Log in to your member portal anytime to see your scores, active disputes, alerts, and AI coaching recommendations.

Membership Plans

Straightforward pricing. Real results.

No contracts. Cancel anytime. Every plan includes full credit monitoring from all three bureaus.

Epic Pro

Credit Command Center

$39.95/mo
billed monthly
  • 3-Bureau Credit Report & 3 ScoresPull your full credit report and FICO-style scores from Equifax, Experian, and TransUnion — all three bureaus in one place.
  • 3-Bureau Monitoring & Score AlertsWe watch all three bureaus 24/7 and send you an alert the moment anything changes on your credit file — new account, inquiry, late mark, or score shift.
  • Report Change Radar™See a timeline of every addition, update, or removal across your reports so nothing slips by unnoticed.
  • What Changed?™ Plain-English SummariesInstead of decoding credit jargon yourself, we translate every change into clear, plain English — exactly what happened and why it matters to your score.
  • Credit Utilization CenterSee how much of your available credit you're using on every card and in total. Keeping this number low is one of the fastest ways to raise your score.
  • Essential Calculator VaultBuilt-in tools to calculate payoff timelines, estimate how a new account affects your score, and plan your next credit move.
  • Credit Goal TrackerSet a target score or a credit milestone and track your progress month over month with a visual roadmap.
  • Monthly Credit ReviewA monthly snapshot that shows where your credit stands, what improved, what needs attention, and your recommended next steps.
Get Started →
Pro Plus Most Popular

Credit Accelerator

$67.95/mo
billed monthly
  • Everything in Epic ProAll 8 features from the Credit Command Center plan — full 3-bureau reports, monitoring, alerts, and calculators — included at no extra charge.
  • RJ Credit Health Index™A single composite score (0–100) that grades your overall credit health across payment history, utilization, age, mix, and inquiries — easier to read than five separate factors.
  • Credit Momentum™ TrackingCharts your score trajectory over time so you can see whether you're gaining or losing ground — and how fast — across all three bureaus.
  • What-If Lab™ Score SimulatorTest credit decisions before you make them. Simulate paying down a card, opening a new account, or closing an old one to preview its likely impact on your score.
  • Debt Optimizer™ (Avalanche/Snowball)Enter your balances and minimums, and we'll build a customized payoff plan — Avalanche (highest-interest first) or Snowball (smallest balance first) — showing your exact debt-free date.
  • Advanced Dispute WorkspaceIdentify questionable items on your report and generate dispute-ready summaries with the key details bureaus need. You stay in control and send disputes yourself.
  • Auto & Home Readiness CentersSee where your credit stands for an auto loan or mortgage before you apply — including the score ranges lenders typically require and how to close any gaps.
  • 90-Day Credit Action Plan™A personalized, step-by-step action plan targeting your specific weak spots — delivered in 90-day sprints so improvement feels achievable, not overwhelming.
Get Started →
Ultimate Credit Suite

Financial Readiness OS™

$99.95/mo
billed monthly
  • Everything in Pro PlusEvery feature from the Credit Accelerator plan — 3-bureau monitoring, simulator, debt optimizer, dispute workspace, and more — all included.
  • Know Before You Apply™ CenterBefore submitting any credit application, see your real approval odds, the likely interest rate tier you'll land in, and whether waiting 30–60 days would get you a better deal.
  • Financial Digital Twin™A complete model of your financial profile — income, debts, credit, and goals — that runs projections showing exactly where you'll be in 6, 12, and 24 months under different scenarios.
  • Complete Mortgage & Auto Intelligence Labs™Deep-dive tools for your biggest purchases: see exactly what score you need, how much a rate difference costs you over the life of a loan, and which credit moves close the gap fastest.
  • Funding & Business Readiness Centers™Planning to fund a business or invest? These centers show your current readiness for small-business loans, lines of credit, and investment accounts — with a clear path to qualify.
  • RJ AI Credit Coach™An AI-powered coaching assistant trained on your actual credit file. Ask it anything — "Why did my score drop?" or "What should I do next?" — and get specific, personalized answers, not generic advice.
  • Complete Calculator Vault™The full library of financial calculators: mortgage, auto, debt payoff, savings growth, investment return, net worth, and more — all pre-loaded with your real numbers.
  • White-Glove Concierge SupportPriority access to the RJ Business Solutions team. When you have a question, a complex situation, or need a second set of eyes on your credit strategy, we're here for you — not a chatbot.
Get Started →

Member Results

Real people. Real progress.

★★★★★
Went from a 541 to a 712 in under six months. The dispute engine handled everything I couldn't figure out on my own.
Marcus T. — Ultimate Member · Albuquerque, NM
★★★★★
The real-time alerts saved me from a fraudulent account. Caught it within hours and the dispute was filed the same day.
DL
Diana L.
Pro Member
★★★★★
I finally understand what's on my report and why. The AI coaching is like having a financial advisor in your pocket.
KW
Kevin W.
Pro Member

Ready to Start

Build the credit you deserve

Monitoring starts today. No long-term contracts. Cancel anytime.

Enroll Now Member Login