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About us
Making Perfect Credit Accessible to Everyone.
Perfect Credit AI was founded to fix the #1 FICO killer high credit utilization with AI that works while you sleep. Our secure Plaid and Stripe connected platform scans your cards daily and uses micropayments based on your subscription to keep every card under 10%, delivering 20–100 FICO point gains in 3–6 months for just $4.99/month. Built by a founder who dropped from 68% to 9% in 2 months. We’re on a mission to help 70 million Americans reach an 850 credit score one automated payment at a time.
At PerfectCredit.ai, our journey began with a simple belief that understanding and building credit shouldn’t be complicated.
We saw 70 million Americans losing 40+ FICO points every month due to high utilization. So we created Perfect Credit AI to combat the #1 silent score killer. While other $99/month credit repair services delivered little zero real results. Perfect Credit AI: a secure, Plaid/Stripe connected platform that scans your cards daily, automatically shifts micro-payments across balances, and keeps every single card under 10% utilization which is the FICO sweet spot. In just 3–6 months, users gain 20–100 FICO points on average (our founder jumped from 68% to 9% in 2 months). No spreadsheets, no alerts to ignore, no stress just $4.99/month for an automated, 24/7 optimization that unlocks better loans, higher limits, and maximum cashback rewards. We’re not another credit app. We’re your AI credit co-pilot, turning complexity into clarity and debt into opportunity one smart payment at a time.
— Founder, PerfectCredit.ai
The People Behind PerfectCredit.ai
Our success is powered by a passionate team of innovators, credit experts, and creators dedicated to making financial growth simple and achievable for everyone.
Alexander Johnston
CEO & Founder
I’ve spent years wrestling with high credit card utilization and the FICO points it stole and I’ve watched millions do the same. That’s why I built Perfect Credit AI, an automated system that drops utilization to under 10% while increasing users scores, so no one else has to fight this battle alone.
Katie Goldstein
COO
As COO of Perfect Credit AI, I bring 10+ years of scaling fintech operations, having grown previous companies from 0 to $5M ARR with zero downtime. I oversee our 24/7 AI micro-payment engine, Plaid/Stripe integrations, and compliance ensuring it is secure, instant, and visible to users. My mission is to turn complex credit math into effortless FICO point gains, one optimized card at a time.
Gregory Jackson
Marketing Director
As the Marketing Director, I drive growth by turning “credit utilization” into a viral keyword. Ranking #1 for credit utilization and optimization. With 8+ years in fintech growth, I am dedicated to grow Perfect Credit Ai to be the best credit card score and utilization enhancement option.
Active Users
Trusted by over one million people improving their credit every day.
Strategic Partners
Collaborating with top fintech and credit institutions.
Industry Awards
Celebrated for excellence in fintech and credit education across multiple awards.
Profit Margins
Sustainable growth driven by smart, efficient operations.