CreditSpa for iPhone and iPad
Local-first credit organization without a required account.
CreditSpa helps people organize credit accounts, documents, payment plans, freeze status, and dispute packets on their own device. It does not transmit financial data to a backend in the current app.
What the app does
- Local credit profile and account organization
- Card utilization estimates and payoff planning
- Payment calendar, freeze checklist, and document vault
- Tri-bureau dispute packet organization for user-controlled exports
Important limits
CreditSpa is an organizer and planning tool. It does not guarantee credit score changes, does not provide legal advice, and does not submit disputes or payment data to credit bureaus in this MVP.