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How it Works

Leading AI Tool for Credit Utilization Optimization

Perfect Credit AI is the leading AI tool for credit utilization optimization, scanning your cards daily via secure Plaid/Stripe integration to automatically shift micro-payments based on your subscription. In return, this keeps every card under 10% utilization. In 3–6 months, users gain 20–100 FICO points on average being fully automated, no spreadsheets, as low as $4.99/month.

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Link credit card via Stripe/Plaid payment

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PerfectCreditAI keeps each card under 10% utilization

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Utilization drops results show 3-6 months

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Credit Score rises will keeping utilization low

The Effects of Credit Card Utilization

Credit card utilization is the percentage of your available credit you're using. It is the second largest factor in your FICO score, accounting for 30% of the total. High utilization above 30% can drop your score by -40 points instantly. While keeping it under 10% is proven to boost scores by 20–100 points over 3–6 months. Large balances spread across multiple cards signal risk to lenders, raising interest rates and limiting approvals. But with Perfect Credit AI it keeps utilization under 10% 24/7, turning a hidden score killer into your fastest path to an 850 credit score.

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Before

68%

Credit Utilization

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After

8%

Credit Utilization

Office

Marshall Raised his Score from
451 → 704
in 5 months.

Join Customers Who Are Already Boosting Their Score Starting At $4.99/mo!

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