Help Center
Frequently Asked Questions
Find answers to common questions about Credit Tutor AI, credit scores, and how our platform works.
General
Credit Tutor AI is an educational platform that helps you understand your credit score and provides personalized tips to improve it. We use AI technology to analyze credit factors and deliver actionable insights tailored to your situation.
No. Credit Tutor AI is an educational platform that helps you understand your credit and provides personalized tips. We do not dispute items on your behalf, negotiate with creditors, or perform credit repair services. Any actions you take are entirely your own.
We cannot guarantee any score increase. Credit scores depend on many factors and vary by scoring model. What we provide is education and actionable suggestions based on general credit principles. Results vary significantly by individual profile and circumstances.
Credit Tutor AI is for anyone who wants to better understand their credit. Whether you're building credit for the first time, recovering from financial setbacks, or simply optimizing your already-good credit, our platform provides valuable insights for all credit levels.
Credit Scores
Checking your own credit score is considered a "soft inquiry" and does not affect your credit score. Only "hard inquiries"—like those from lenders when you apply for credit—can temporarily impact your score.
Credit scores can change whenever new information is reported to the credit bureaus, which typically happens monthly. However, the exact timing depends on when your creditors report to the bureaus.
There are multiple credit scoring models (FICO, VantageScore, etc.) and three major credit bureaus (Equifax, Experian, TransUnion). Each combination can produce a different score based on the data available and the scoring algorithm used.
The main factors are: payment history (35%), credit utilization (30%), length of credit history (15%), credit mix (10%), and new credit inquiries (10%). These percentages are approximate and can vary by scoring model.
Features & Tips
Our tips are generated based on common credit factors and general best practices. Each week, we highlight areas where small changes might have an impact. These suggestions are educational in nature and should not be considered financial advice.
Yes, our AI analyzes the credit factors you provide to generate recommendations specific to your situation. The more information you share, the more tailored your insights become. Premium plans offer deeper personalization.
Yes! Our platform allows you to monitor all your credit cards in one place. You can track utilization across accounts, set payment reminders, and see how each card impacts your overall credit health.
Credit alerts notify you of important changes or events related to your credit. This includes payment due date reminders, utilization warnings, and tips on actions you can take. Alert features vary by plan.
Pricing & Plans
Yes! Our free plan includes basic credit score checking and general tips. It's a great way to get started with credit education. For personalized AI insights and advanced features, check out our paid plans.
Absolutely. You can cancel your subscription at any time from your account settings. You'll continue to have access to paid features until the end of your current billing period.
We offer a 7-day money-back guarantee for new subscribers. If you're not satisfied within the first 7 days, contact our support team for a full refund.
We accept all major credit cards, debit cards, and PayPal. All payments are processed securely through our payment provider.
Privacy & Security
We collect only the information necessary to provide our service. We do not sell your personal data to third parties. For details on what we collect and how we protect it, please review our Privacy Policy.
Yes. We use industry-standard encryption and security practices to protect your data. We never store sensitive credentials, and all data transmission is encrypted using SSL/TLS.
No. We do not report any information to credit bureaus. We only read credit information to provide you with insights—we never write to or modify your credit reports.
Technical
We're currently focused on delivering the best web experience. A mobile app is on our roadmap, but we don't have a specific release date to share yet. Sign up for updates to be notified when it launches.
Credit Tutor AI works on all modern browsers including Chrome, Firefox, Safari, and Edge. We recommend keeping your browser updated for the best experience.
Yes! Our website is fully responsive and works great on mobile devices. Simply visit our site from your phone's browser to access all features.