Know your next best move.
Credit Genius is the AI Credit Intelligence platform that understands your credit, spots your opportunities and shows the move that matters most next.
Monitoring tells you what changed. Credit Genius tells you what it means, where your opportunities are and what to do next.
Your whole credit picture, explained in plain language.
Genius Insights shows what’s helping, what’s holding you back and where your opportunities are.
Your next best move, ranked by what matters most for your goals.
Pick a goal — a home, a car, a better card or a stronger score. Genius reads it against your credit profile and lays out the moves that matter, in order. No generic tips. It changes based on you.
Analyzes the factors affecting your profile.
Home, auto, cards, score growth, and more.
Turns information into your next credit move.
“It clearly shows your credit score, explains what’s affecting it, and answers credit questions in a simple way that’s easy to understand.”
“It’s easy to use, informative, and helps you better understand your credit and make smarter financial decisions.”
“This app actually makes learning about credit fun and easy.”
Soft pull onlyChecking your credit in the app never affects your score.
Bank-level encryptionYour personal and financial information stays protected.
Read-only bank connectionsNothing is ever withdrawn or moved. Security practices
Build your credit, understand it, practice it and plan your next move — each tool works on a different part.
Genius Rent Boost reports your eligible on-time rent payments to the credit bureaus, which may help build your credit history.
Report eligible on-time rent to the credit bureaus — it may help build your credit history.
See your report in plain language: what’s helping, what’s holding you back and the one move that matters most right now.
Your report in plain language, with the one move that matters most right now.
Play through real credit scenarios and learn which moves help and which hurt — before they count.
Play real credit scenarios and learn which moves help — before they count.
Thinking about a new card, a car loan or a business line of credit? Simulate it first, then decide with confidence. Results are estimates, not guarantees.
Simulate a new card or loan first, then decide with confidence. Estimates, not guarantees.
Every plan uses a soft pull, so checking your credit never affects your score.
See where you stand and start learning.
Your AI credit mentor, with no limits.
Full Credit Intelligence across all three bureaus.
Prices in USD. Plans are purchased and managed in the app. Cancel anytime.
Credit Genius was founded in 2023 to give everyday people the clarity and financial advantages that used to belong to the few.
Author of The Great American Credit Secret. Antoine built Credit Genius to make expert-level credit strategy available to everyone.
No. Credit Genius uses a soft pull to read your credit, which doesn’t affect your score.
Credit Genius is free to download on the App Store and Google Play. Optional paid plans unlock more features.
Credit Genius protects your information with bank-level encryption. Bank connections for Genius Rent Boost™ are read-only — nothing is ever withdrawn or moved. Our Privacy Policy and Security Practices explain exactly how your data is used and which partners help provide the service.
Credit Genius is a credit intelligence app for iPhone and Android. It analyzes your credit, explains what’s helping and what’s holding you back, and shows your next best move — whether you want a better card, a car, a home or a stronger score.
No. Credit Genius is a credit intelligence and financial education platform. It does not provide credit repair, lending or legal services, and it can’t guarantee any change to your score.
Genius Rent Boost™ reports your eligible on-time rent payments to the credit bureaus, so you can get credit for the rent you already pay — no new loans and no credit cards. Rent reporting may help build your credit history; results vary.
The Credit Simulator lets you model a financial move — like opening a new credit card or a business line of credit — before you make it, and see an estimate of how it may affect your score. Simulations are estimates, not guarantees.
Credit Games® are short, scenario-based games, like Credit Snap, that teach how everyday money decisions affect your credit — with daily streaks that help the habits stick.
Download Credit Genius free and see what matters most for your credit today.
