Every card, every loan, every deadline. And what to do about them.
CreditMaxer links your cards and loans read-only, puts every statement close and due date on one calendar, and turns your numbers into a short list of moves, each one explained. Five tabs. No jargon.
Everything lives under five tabs.
The tab bar is the whole map. Scroll through them here, or tap a tab on the phone.
Home
Where you stand, and what to do next.
Your FICO 8 score on a dial, entered by you from the free bureau sources the app points to. Under it, the moves ranked by urgency, each one unfolding to show its reasoning and a button to mark it done. The month’s credit dates sit at the bottom.
You type the score in yourself from the free bureau sources the app points to, so there is no inquiry and no subscription. The dial shows which band it sits in and how far the next one is.
Accounts
Cards and loans, one ledger.
Link a bank through Plaid, read-only, or add an account by hand. Each card shows balance, limit, and utilization on its own track; each loan shows what is paid off and what is due next. Tap a row and it springs open with statement dates, limit history, and rewards.
Each card tracks its balance against its limit. As spend goes up, the color says when a card crosses 10% and 30%, the lines a FICO score cares about.
Tools
Eight tools, one search box.
The Card Hub, Loan Hub, and Credit Unions directory from this site, plus five tools that only make sense with your accounts attached. Search finds tools, the guides inside them, and catalog cards in one list.
Estimate a year of spend by category. The Hub runs it through every card's earn rates and fees and ranks them by what actually comes back to you.
Assistant
Ask about your own numbers.
The assistant reads the same accounts the app does, so a question about a card gets an answer with that card’s balance and close date in it. Threads are saved and renamable. AI features are a separate opt-in you can switch off. In the current build the tab wears a coming-soon mark while the preview is finished.
Ask about a card and the answer carries that card's balance, limit, and close date. The reasoning is the same one the action items use.
Profile
Your report, with the clocks running.
Under Profile you keep the parts of your report the app cannot pull: your FICO score by bureau, the age of your accounts, every hard inquiry, and every derogatory mark, each with its date. From those dates the app works out when an inquiry stops counting and when a mark has to leave your report, and reminds you as each one passes.
Each inquiry is listed with its date, and the app keeps the clock: the dip fades after about six months, FICO stops counting it at twelve, and the bureaus remove it at twenty-four. A notification lands at each of those dates.
Home · Where you stand, and what to do next
What’s under Tools.
Three of these are this site’s own reference tools, signed in. The other five only make sense with your accounts attached. One search box finds tools, the guides inside them, and catalog cards.
Find your next card
1,712 cards ranked by what they return on your real spend after the annual fee. Balance transfers, the lounge map, and business cards live here too.
Browse it on the webAuto, mortgage, personal
Auto, mortgage, personal, and student lenders sorted by what you would pay, with how each loan works before you borrow.
Browse it on the webFree FICO® scores
Which score a lender is looking at, and where each bureau's FICO 8 is free. Enter it and the Home dial uses it.
Read the guide on the webAll zero except one
All zero except one: pay every card to zero but one, let a small balance report on that one, and time it to the statement close.
Credit limit increases
Which issuers soft-pull, when your window opens, and how to ask. Requests land on your calendar as windows, not deadlines.
How limit increases workTest score scenarios
Pay everything off, max out, open a card, miss a payment: the FICO 8 estimate moves before you do.
Guidance for your credit
A written plan from your numbers: now against projected, ranked recommendations, and the interest a refinance would save.
Browse and join
The largest credit unions, who can join each one, and why their rates are hard for private lenders to beat.
Browse it on the webIt reads. It never acts.
Read-only by design
Bank connections run through Plaid and can only read balances and dates. Your bank login is entered with Plaid, never with us.
We do not pull your score
The app shows where each bureau’s FICO 8 is free and you enter it yourself. No inquiry, no monitoring subscription.
Consent is a switch
Score entry, account aggregation, and AI features are separate opt-ins. Turn any of them off and the rest keeps working.
Every recommendation explains itself. You make the moves. Nothing in CreditMaxer pays a bill, opens an account, or submits an application for you.
Ready when you are.
Free on the App Store. Link your accounts, enter your score, and your first moves are waiting on Home.