Credit Audit
Line-by-line report review to spot score draggers and easy wins.
- Late marks & collections
- Duplicate tradelines
- Score simulator
FCRA-smart • Budget-first
Build credit with a plan—not guesses.
We audit your reports, dispute what’s hurting you, and build new positive data—utilization, mix, and on-time history—so your score grows for the long term.
Why AiONE
🔍 Transparent report analysis
📈 Action plan you can follow
💳 Secured → prime build
📬 Smart disputes (no spam)
How it works
1
Pull your reports (you own access)
2
Prioritize disputes + utilization fixes
3
Add positive trade lines & monitor
Smart Disputes
Targeted, compliant disputes—no spam letters or empty promises.
- FCRA-aligned language
- Priority items first
- Monthly cadence
Build New Credit
Move from subprime to prime with the right accounts and limits.
- Secured → unsecured plan
- Authorized user strategy
- Auto & card timing
Budget Coaching
Lower utilization and avoid lates with a realistic cash-flow plan.
- Due-date alignment
- Snowball vs. avalanche
- Emergency buffer
Score Progress (Illustrative)
Example 12-month plan with disputes, new positive data, and utilization control.
Utilization Impact
Credit Limit $
Balance $
Keep revolving utilization under ~30% (under ~10% is ideal for scoring).
Lead a comfortable life while we take care of your finances.
2250+
Individuals
Helped
