Upload Your Credit Report → Get AI-Powered Roadmap to 750+ Credit & $50K-$250K Funding
The only platform that analyzes YOUR actual credit data to build a personalized plan - no generic advice.
- Upload credit reports → AI extracts data
- Get custom plan in 2 minutes
- Track progress from 500 → 750+ score
- Personal + Business credit in one place
See StoicCredit in Action
Watch a complete walkthrough of all features - from uploading credit reports to generating personalized AI-powered plans
Why Most Credit Advice Doesn't Work
But which cards first?
Which banks? When?
How long will it take ME?
Generic advice doesn't know:
- Your exact credit score
- Your 20 open accounts
- Your $59K in existing limits
- Your 34.29% utilization
- Your 7 hard inquiries
We do. Because we analyze YOUR actual data.
How StoicCredit Works (3 Simple Steps)
UPLOAD YOUR CREDIT REPORTS
Drop your PDFs from Experian, TransUnion, or Equifax
- ✓ Takes 30 seconds
- ✓ Secure & encrypted
- ✓ We never share your data
AI ANALYZES YOUR DATA
Our AI extracts your accounts, limits, utilization, inquiries, and collections.
- ✓ Instant analysis
- ✓ No manual data entry
GET YOUR PERSONALIZED PLAN
AI creates step-by-step roadmap: Which cards to apply for, when to request limit increases.
- ✓ Tailored to YOUR situation
- ✓ Updates as you progress
Why StoicCredit is Different
| Other Tools | StoicCredit |
|---|---|
| Generic advice | Analyzes YOUR actual credit report |
| Manual data entry | AI extracts automatically |
| Personal OR Business | Personal AND Business integrated |
| Just education | Tools + Tracking + Education |
| One-size-fits-all plans | Personalized to YOUR data |
🎯 THE KEY DIFFERENCE
We start with YOUR credit data, not generic templates. Your plan is built from your actual 20 accounts, $59K limits, and 34.29% utilization - not assumptions.
Everything Included in Your Plan
Upload PDFs → AI extracts all accounts, limits, payment history, inquiries & collections. Import directly to inventory.
Personalized roadmaps showing exact steps from YOUR score to 750+. Bureau pull intelligence and limit increase timing.
Track all your cards (Personal & Business). Track total limits, CLI readiness countdown, and bureau pulls.
66 in-depth articles covering personal and business credit topics. From 500 score to $250K funding strategies.
👥 FOR MENTORS (Elite Only)
Manage multiple clients: Add clients by email, create plans for them, track their cards & reports, and masquerade into client view.
Perfect for credit coaches & financial advisors.
Simple Pricing That Grows With You
FREE
- ✓ Education (basic)
- ✓ Browse articles
BASIC
- ✓ Everything in Free
- ✓ Personal credit articles
- ✓ 1 AI plan /month
- ✓ Card inventory
PRO
- ✓ Everything in Basic
- ✓ Business credit articles
- ✓ 10 AI plans/mo
- ✓ Full card inventory
- ✓ Report parser
- ✓ Both personal + business
Frequently Asked Questions
Is my credit data secure?
Yes. All data is encrypted and we never share or sell your information. We're SOC 2 compliant.
Do I need good credit to start?
No. We work with all credit levels from 300 to 850. The AI adapts to YOUR situation.
How long does it take to see results?
Most users see 30-50 point increases in 90 days. 750+ score typically takes 6-12 months from 500-600 baseline.
What if I don't have credit reports?
You can get free reports from AnnualCreditReport.com. Or start with manual entry - works either way.
Can I cancel anytime?
Yes. No contracts, no cancellation fees. Keep access until end of billing period.
What's the difference between Personal and Business credit?
Personal credit = your SSN. Business credit = your EIN. StoicCredit helps with both, starting with personal foundation.
Ready to Build Credit the Smart Way?
Upload your credit report and get your personalized roadmap in 2 minutes.
- No credit card required
- Free forever plan available
- 7-day money-back guarantee