Credit GPS
Know exactly what to pay, on which card, by which date.
Most credit advice stops at “keep utilization low.” Credit GPS reads the statement cycle on your own cards and names one move — the amount, the card, the date it has to land. Plain numbers. No shame.
Three steps. No spreadsheets.
Connect your cards
Read-only access through Plaid, the same connection your bank already supports. We see balances, limits, statement dates and minimums. We cannot move money, and we never ask for a credit bureau login.
We watch the statement close
Your issuer reports one number to the credit bureaus — the balance at statement close, not the balance today. That date is the whole game, and almost nobody knows theirs. We track it on every card.
You get one move
One amount, one card, one date. Not a list of tips, not a scolding. Do it or don't — the next cycle recalculates either way.
Built for optimizing a US credit file.
The reporting date on every card
Statement close is the day the number is taken. We show it per card, counted in days, so a payment lands before the snapshot rather than after it.
Utilization, per card and overall
One card over its limit line can matter more than a low overall figure. We show both, and which one the next move is aimed at.
Coaching in plain language
Written for people building a file from scratch, working back from a setback, or arriving in the US with a credit history that does not travel.
English and Spanish
The whole product, not a translated marketing page. More languages follow the way they did in Canada.
Get early access.
We are opening the US in stages, state by state. Add your name and we will write to you when Credit GPS reaches yours — and founding members keep founding-member pricing.
What Credit GPS is, and what it is not
Credit GPS is a credit coaching and information service. It reads the accounts you connect and tells you what to pay, on which card, by which date.
We are not a credit repair organization, a credit counseling agency, a lender, a broker, or a law firm. We do not file disputes for you, we do not contact your creditors, and we do not remove accurate information from a credit report — no one can.
We make no promise about any credit score, approval, or rate. Every figure shown is an estimate, not a guarantee, and credit reporting depends on factors outside any one plan.
You can get your credit reports at no cost each week from the three nationwide credit reporting agencies at AnnualCreditReport.com. We will never ask for your credit bureau login.