Powered by Claude Sonnet 4.5 · The AI Financial OS

Repair. Build. Fund. Grow.

The AI Financial Operating System. Repair your credit, monitor the bureaus, purchase premium tradelines, and prepare for funding — from one luxury dashboard.

Access-controlled account
FCRA-informed
Instant AI
Live Dashboard
300FAIR
FICO 8
+0 pts since sign up
Utilization
14%
-8%
Disputes
3 active
Round 2
Funding
78/100
Approaching
AI PRIORITIES
1 Pay down Capital One to <10%
HIGH
2 Dispute Midland collection (obsolete)
HIGH
3 Add 1 seasoned tradeline (Chase, 10+ yrs)
MED
Credit Rich Member Reward

$25 off the Credit Rich Collection.

Create your Credit Rich account and unlock a $25 shopping reward on 1 eligible apparel item or any 2 Credit Rich books. Your member codes appear inside your dashboard after you sign in.

L’Exotic Customer Benefit

Buy the look. Build the profile.

Buy any L’Exotic clothing item and use LEXOTIC25 to get 25% off your first month of Credit Rich OS — $18.75 instead of $25.

Everything you need

One OS. Every step of your journey.

From your first dispute letter to your first $250k in funding, Credit Rich OS runs it all.

AI Credit Analysis
Upload a credit report or enter accounts. Claude Sonnet 4.5 delivers a personalized priority plan and funding readiness score in seconds.
Credit Monitoring
$1 trial gives you 3-bureau monitoring, real-time alerts, and score simulators before any paid service starts.
Dispute Center
Generate dispute, goodwill, debt-validation, and MOV letters with round tracking and CFPB draft support.
Tradeline Marketplace
Vetted seasoned inventory refreshed monthly. Chase, Wells Fargo, Citi, Amex, Barclays. Reserve in one click.
Funding Hub
Business credit, personal loans, revenue-based capital via curated lenders — when your profile is ready.
AI Assistant 24/7
Ask Credit Rich AI anything. Explain reports, plan strategies, generate education. Never guarantees results.
How it works

Four steps to Credit Rich.

1
Analyze
Free AI analysis of your credit profile.
2
Monitor
Activate $1 trial 3-bureau monitoring.
3
Repair & Build
AI letters, tradelines, and coaching.
4
Fund
Access business & personal capital when ready.
Tradeline Marketplace

Premium seasoned tradelines. Curated monthly.

Chase, Amex, Wells Fargo, Citi, Discover, Barclays and more. Ages up to 28+ years. Limits from $2k to $100k. Every card vetted for reporting reliability.

Sample listings shown

Chase
$25.2k
12 years · Stmt 22
$820
Wells Fargo
$21.5k
20 years · Stmt 11
$810
Citi
$49.0k
13 years · Stmt 15
$1330
Barclays
$34.5k
19 years · Stmt 22
$1160
Funding Hub

From ready to funded.

Access business credit, personal loans, and revenue-based capital when your profile is ready. AI scores your funding readiness in real time.

Pricing

Simple, luxury, ruthlessly effective.

Start free. Upgrade when you're ready. Skip the DIY entirely with White Glove.

Free
$0
Forever
  • AI Credit Analysis
  • Funding Readiness Score
  • Personalized Action Plan
  • Educational Recommendations
  • Dispute Preview (locked)
Prime Member
Most Popular
$25
/mo
$25/month · first payment at signup · cancel anytime
  • Everything in Free
  • Full Dashboard & AI Assistant
  • Credit Monitoring Integration
  • Unlimited Auto Dispute Letters
  • Tradeline Marketplace Access
  • Funding Hub Access
  • Secure Document Vault
White Glove
$250
one-time
Human Touch. Done for you.
  • Everything in Prime
  • Personal Credit Strategist
  • Custom Letters Mailed via LetterStream
  • Tradeline Placement Guidance
  • Funding Roadmap (biz + personal)
  • Weekly 1:1 Progress Calls
  • Direct BCCC Consultant Access
Testimonials

Members who took back control.

“The AI analysis showed me exactly what to fix first. Clearest plan I’ve ever had for my credit.”
M
Marcus J.
Business owner
“The dashboard actually feels premium. Disputing my collections finally felt simple.”
A
Alicia R.
Member since 2025
“Tradeline marketplace is the cleanest I’ve used. Reserved a Chase 12yr and it reported on time.”
D
David P.
Real estate investor
FAQ

Straight answers.

Do you guarantee a score increase?
No. Credit Rich Solutions does not guarantee credit score increases, deletions, approvals, or funding. Results vary by individual credit profile.
What does the $25/mo include?
The full dashboard, AI assistant, dispute center, credit monitoring integration, funding hub, tradeline marketplace access, and secure document vault.
How do tradelines work?
You reserve authorized-user spots on seasoned cards. Reporting typically hits your file 15-45 days after the statement date. Results and impact vary.
Is my data secure?
Documents are restricted to your authenticated account. Do not upload information you do not need Credit Rich OS to process.
Credentials & Trust

Legally registered. Board certified.

Credit Rich Solutions is a registered Ohio business led by a board-certified Credit Consultant. Your work is done by a qualified professional — not a black-box algorithm.

Trade Name Registration
State of Ohio
Trade Name Registration
Credit Rich Solutions · Doc 202532301208
Board Certified Credit Consultant
Credit Consultants Association
Board Certified Credit Consultant
Deon Johnson · #BCCCpid-1273uid-21748A-3
Certificate of Membership
American Consumer Council
Certificate of Membership
Deon Johnson · Membership #498741
Certified Credit Score Consultant
Credit Consultants Association
Certified Credit Score Consultant
Deon Johnson · #CSCCpid-1395uid-21748A-1
Ohio Registered Business Board-Certified Credit Consultant American Consumer Council Member Certified Credit Score Consultant

Own your financial future.

Free AI Credit Analysis. No credit card required.