Perfect Credit AI is a credit-building service that can help you build credit safely and responsibly. It is designed to target key credit factors by lowering credit card utilization which in return will increase the users credit limit and credit score. Let’s break it down:

• Build payment history: Make affordable monthly payments without interest or fees to build your payment history. With our subscription model based service we keep your utilization low and other factors mentioned above.

• Lower your credit utilization: Using Perfect Credit AI with your monthly plan, work together to help lower your overall credit utilization.

• Average account age: The longer an account is in good standing, the better so keeping your account healthy can help your credit profile age gracefully.

No, Perfect Credit AI is not a credit card or traditional loan. It’s a secure, revolving line of credit that is intended exclusively for credit-building based on the subscription plan you choose. Not for everyday purchases like gas or groceries. Your subscription with Perfect Credit AI is essentially a payment method: you’ll use it to finance the cost of your monthly subscription plan, and then pay back that cost each month with your personal debit card or bank account. In return to lower utilization, grow your credit score and increase your credit limits.

Perfect Credit AI customers with credit under 600 who make consistent on time payments grow their credit by an average of +84 points. In addition to strengthening key credit factors, Perfect Credit AI also helps customers establish positive financial habits and improve credit literacy, helping them qualify for auto financing, mortgages, credit cards, personal loans, and more.

Average first year credit score impact of +84 points (VantageScore 3.0) between Jan-2023 & Jan-2024 for Perfect Credit AI customers who started with a score below 600; who paid on time; and who had no delinquencies or collections added to their credit profile during the period. Late payments may negatively impact your credit score. Individual results may vary.

There are no hidden fees to use Perfect Credit AI, aka no interest, late fees, or other sneaky fees associated with your account. Which subscription model you choose is soley what you pay.

Perfect Credit AI keeps every credit card under 10% utilization which is the #1 factor (30%) in your FICO score. By automatically shifting micro-payments across your cards daily via secure Plaid/Stripe. This consistent low utilization adds 20–100 FICO points within 3–6 months (avg. +48), unlocks better loan rates, higher limits, and max cashback all hands free for $4.99/month. Sit back and let us do the work for you!

We’re officially a new fintech SAAS start up in the niche of assisting people build their credit scores back, increasing limits and overall making a positive experience for new users. We are the ONLY company backed with integrated AI to reduce credit card utilization which then increases the users credit score and purchasing limits.

Perfect Credit AI is 100% committed to your data privacy and security. We use state of the art encryption in all data transmissions. We use your data to verify your identity and to comply with federal laws. We will never share or sell your data to third parties.

We’ve experienced firsthand how scary credit building can be, especially for those who can’t afford to take chances with it, that’s why we built a tool that strives to bring financial opportunity to everyone.

There are no credit checks when signing up and utilizing Perfect Credit AI.

Credit utilization refers to how much of your credit limit you are using at any given time. You can figure out your credit utilization rate yourself by dividing your total account balance by your total credit limit.

Most experts recommend keeping your overall credit card utilization below 15%, which suggests to creditors that you can use credit responsibly. To help you build credit quickly, new customers typically see less than 10% utilization when using Perfect Credit AI.

Perfect Credit AI is available in all 50 states.

Of course! We want you to be in control of your finances, and you are always welcome to cancel your Perfect Credit AI account at any time.

Note: Keeping your account open and continuing with your current monthly plan payments helps you continue to build credit over time.