About CreditRepair Navigator™

Our Mission

CreditRepair Navigator™ is an educational platform designed to help adults understand and improve their credit through ethical, legal guidance. We believe that knowledge is power, and our mission is to demystify credit scoring and empower individuals to take control of their financial future.

What We Are

  • ✓An educational platform that explains credit factors in plain English
  • ✓A tool that provides AI-powered personalized credit guidance
  • ✓A resource for understanding what impacts your credit score
  • ✓A provider of legal, ethical action plans based on your situation

What We Are NOT

  • ×A credit repair organization (as defined by law)
  • ×A credit bureau or credit reporting agency
  • ×A law firm or legal service provider
  • ×A service that files disputes or contacts credit bureaus on your behalf
  • ×A guarantee of credit score increases or specific results

How CreditRepair Navigator Works

1. Assessment

Complete a guided questionnaire about your credit situation, including payment history, utilization, account types, and goals.

2. AI Analysis

Our AI analyzes your responses and generates personalized insights about what helps or hurts your credit, prioritizing issues by urgency.

3. Action Plan

Receive a 30/60/90-day roadmap with specific, educational action items you can take to improve your credit health.

4. Optional Referrals

If your situation is complex or time-sensitive, we may suggest professional credit repair partners. This is optional—the self-guided path is always your primary option.

Legal Disclaimers

No Guarantees

We do not guarantee credit score increases, loan approvals, or any specific results. Credit improvement depends on many factors including your actions, credit bureau decisions, and creditor policies.

Educational Purpose Only

All guidance provided by CreditRepair Navigator™ is for educational purposes only. We provide information and explanations to help you understand credit, but we do not take action on your behalf.

Right to DIY

You have the legal right to dispute inaccurate information on your credit report yourself, for free, by contacting the credit bureaus directly. Professional credit repair services are optional.

Referral Relationships

We may receive a referral commission if you choose to work with one of our partner credit repair organizations. These relationships do not influence the educational guidance we provide. We always disclose partner relationships.

Results Vary

Credit improvement timelines and outcomes vary significantly based on individual circumstances, starting credit position, types of negative items, and consistent follow-through on recommended actions.

No Legal or Financial Advice

CreditRepair Navigator™ does not provide legal, financial, or tax advice. For specific legal questions about your credit or financial situation, consult a licensed attorney or financial advisor.

Privacy & Data

Your privacy is important to us. The credit assessment you complete is stored locally in your browser (sessionStorage) and is not transmitted to our servers except when generating your personalized analysis. We do not sell, share, or store your personal credit information. Your assessment data is temporary and can be cleared at any time by closing your browser or clearing browser data.

Questions?

CreditRepair Navigator™ is designed to be self-service and educational. If you have questions about how to use the platform, review the guidance provided in your personalized analysis. For questions about your specific credit situation, consider consulting with a licensed credit counselor or financial advisor.