Credit Score Rebuild

A low credit score quietly costs you money everywhere: higher interest on a car loan, a bigger security deposit, even a larger phone bill. And it feels impossible to fix because nobody explains how the number is built. This playbook ends the mystery. Your AI agent becomes a credit-repair coach that walks you through the whole thing in order: pull all three reports free from the official source, read them without panic, dispute any errors that drag you down, and build the habits that actually raise the number. On-time payments, utilization under 30%, and a secured card when you are rebuilding. Then a monthly 90-day check-in loop so you watch the score climb and know what moved it. Every section is a copy-paste prompt your Ally runs with you. If you can copy and paste, you can do this.