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, our tools are here to help.
Denied a Mortgage or Car Loan
You've been told your score isn't high enough. Our tools help you identify what's holding it back so you can take action and 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. 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. Tools to 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? Create a personalized plan to get 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 Intelligence, Start to Finish
From the first audit to your score goal, Cradexa covers every angle — helping you Understand, Improve, and Protect your credit with AI-powered tools and educational resources.
Credit Report Audit
Upload and analyze all three credit reports — Experian, Equifax, and TransUnion — identifying every error, inaccuracy, and disputable item.
Dispute & Error Removal
AI-generated, legally-sound dispute letter templates backed by FCRA consumer protections, targeting outdated debts, duplicate accounts, and identity errors.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
Educational resources and guided sessions that 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
Upload and analyze all three credit reports — Experian, Equifax, and TransUnion — identifying every error, inaccuracy, and disputable item.
Dispute & Error Removal
AI-generated, legally-sound dispute letter templates 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
Educational resources and guided sessions that 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 improving your credit shouldn't add more complexity to your life.
Create Your Free Account
Create your free Cradexa account in 60 seconds. No credit card required.
Get Your Credit Report ($1)
Sign up for credit monitoring through our partner. Get all 3 bureau reports + scores for just $1.
AI Analyzes Everything
Our AI identifies errors, inaccuracies, and opportunities across all three bureaus — not generic templates. YOUR report, analyzed in seconds.
Your Personalized Strategy
Get AI-generated dispute letters, a credit building action plan, and ongoing monitoring — all tracked in your personal dashboard.
No credit card · No commitment
AI That Actually Reads Your Credit Report
Most credit companies use generic templates. Our AI analyzes your actual report and builds a personalized strategy unique to your situation — helping you Understand, Improve, and Protect your credit.
PDF Report Analysis
Our AI reads your full credit report PDF — every account, every balance, every status. Not a template. YOUR report.
Instant Results
Upload your report and get a complete analysis in under 60 seconds. No waiting days for a human to review.
Personalized Dispute 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 dispute. 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.
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 you access your first round of dispute tools.
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 intelligence 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
- Dedicated credit guidance sessions
- Priority phone & text support
- Expedited processing
Couples
Best for couples or partners working on credit together
Starter plan for two — improve 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 improvement, our process, and your rights.
Still have questions?
Start your free credit checkup to see exactly what our AI finds on your report.
Start Free CheckupReady 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.