Zoeyby Pinnacle Capital

CREDIT CLARITY + CREDIT BUILDING

Your credit,
explained.

Understand your credit. Build better habits.
Know what to do next.

Join Early Access See the walkthrough

Free tools available now. Paid plans with credit building planned from $9.99/month.

Example
preview
Example Zoey preview. Illustrative score: 642. Zoey explains that balances and payment history can affect your credit.

A clear path forward.

  • Understand your report

    See what’s on your credit report and why it matters.

  • Review possible errors

    Spot inconsistencies and potential issues.

  • Build with a plan

    Explore credit building and clear next steps.

Zoey, your purple-haired credit assistant, offering a helping hand.

ASK ZOEY

Credit questions.
Clear answers.

Ask about an account, a balance,
or something you don’t understand.

Example conversation

Why does this paid account still show a balance?

9:41 AM
Zoey

Let’s check the balance and the date it was last updated. Compare those details with your payment confirmation.

9:41 AM
View the report entry

See what needs a closer look.

Zoey organizes your report and highlights details for you to review.

Example report review

Reported balanceThe balance on this account may need a closer look.Compare with statement

Compare the reported balance and its last updated date with your account statement. A recent payment may not appear until the next reporting update.

Possible duplicateThis account may appear more than once on your report.Review account details

Compare account numbers, creditor names and dates. Similar names alone do not establish a duplicate; check whether the entries describe the same account.

Payment historyThere may be inconsistencies in the payment history.Check the dates

Check the reported month and payment status against your statements and payment confirmations. Keep those records together for anything you believe is inaccurate.

From understanding to action.

  1. 01

    Connect

    Enroll and authorize live report access at launch.

  2. 02

    Understand

    Read explanations linked to the underlying information.

  3. 03

    Build

    Follow your account terms and payment reminders.

  4. 04

    Follow through

    Review actions, responses, and progress toward your goal.

TRY THE SAMPLE WALKTHROUGH

From a report entry
to a next step.

Illustrative planned experience. Fictional data. No account needed.

STEP 1 OF 4

Start with what the report actually says.

Example account ending 1234: reported balance $420; last updated August 15. Your sample payment receipt says $420 was paid August 28. The report predates the payment.

Report entry · fictional data

$420 reported balance

Source: sample bureau report · August 15, 2026. This is not a live credit pull or an official score.

PLANNED LAUNCH PRICING

A way forward.
At your pace.

Credit building in every paid plan. Choose the guidance that fits your next step.

Build your foundation.

Essential

$9.99/month

Proposed reported limit $750

Join Essential early access
  • Credit builder with a proposed $750 reported limit
  • 1 credit score + one-bureau report view
  • Personalized next-step plan
  • Payment reminders and credit education

Build with a plan to follow.

Plus

$19.99/month

Proposed reported limit $2,500

Join Plus early access
  • Credit builder with a proposed $2,500 reported limit
  • Essential guidance, upgraded to 3 credit scores + three-bureau reports
  • Deeper account-by-account guidance
  • Organized dispute cases and response tracking
  • 3 standard mailed envelopes per month

Build with the bills you already pay.

Complete

$39.99/month

Proposed reported limit $3,500

Join Complete early access
  • Credit builder with a proposed $3,500 reported limit
  • 3 credit scores + three-bureau reports
  • Ongoing rent reporting for eligible payments (planned)
  • Utility reporting for eligible bills (planned)
  • Payment reporting tracker: what was verified and reported
  • Plus guidance, case tracking, and 3 mailed envelopes
  • Guided monthly progress review
  • Home, car, and apartment goal plans + progress exports

Planned launch pricing. Paid memberships, live bureau access, credit building, rent and utility reporting, and handled mailing are not available yet. Features and limits are proposals, subject to final program terms and eligibility. Joining early access is free and does not open a credit account.

A FREE PLACE TO START

Get clarity before you commit.

Use our guides and dispute-letter worksheet now. A free basic score and one-bureau report view are planned for Zoey’s launch.

Compare every planned benefit and mailing terms →

ZOEY BY PINNACLE CAPITAL

Built for your next chapter.

Starting credit, rebuilding habits, or preparing for an apartment? Start with the information behind the number.

Understand before acting

Zoey’s planned guidance connects explanations to the underlying report. You stay in control of decisions and dispute approval.

How Zoey works →

A team you can reach

Founded by Grizz, Zoey is a product by Pinnacle Capital. Product and privacy questions have a direct support contact.

Meet the purpose behind Zoey →

A useful place to start

Read free guides and prepare a letter worksheet now, without entering a credit card or uploading your report.

Explore free tools →

Good questions.
Clear answers.

What can I use today?

The website’s credit guides, sample walkthrough, and self-service dispute-letter worksheet are free to use now. Early access is a waitlist, not immediate app access. Live score access, paid memberships, credit building, rent and utility reporting, and handled mailing are planned.

Will there be a free Zoey plan?

Yes. We are planning a free basic score and one-bureau report view, education, and self-service dispute tools. The bureau, score model, refresh schedule, and usage allowance will be confirmed before enrollment. Handled postage and credit building are paid features.

Is the credit-builder limit money I can spend?

The proposed limit is for a restricted credit-building account. It is not a cash payout or a general-purpose credit card. The final program must explain permitted use, payments, fees, account term, eligibility, and which bureaus receive reporting before you enroll.

Do all paid plans include credit building?

That is the plan: Essential at $9.99/month with a proposed $750 limit, Plus at $19.99 with $2,500, and Complete at $39.99 with $3,500. A larger reported limit does not guarantee a larger score change.

How many scores are included, and how often will they update?

Essential at $9.99/month is planned to include 1 credit score and a one-bureau report view. Plus and Complete are planned to include 3 credit scores, one from each bureau, and three-bureau reports. The bureau used for Essential, data provider, score model, included refresh frequency, and any extra refresh charge will be disclosed before enrollment. Live access does not mean continuous or daily updates. Each view should identify its bureau, model, and date.

Does Zoey send disputes without my approval?

No. The planned flow is to review the report entry, compare supporting records, prepare a factual draft, and get your approval before sending. AI suggestions are not proof of an error. Any human review included at launch will be described explicitly; this site does not promise attorney representation.

Read all pricing and launch questions →

ZOEY EARLY ACCESS

Be among the first
to meet Zoey.

Join for launch updates and invitations. No card required.

Joining reserves your interest, not immediate access. Your invitation will explain features, supported devices, and final terms. No launch date is promised.

Privacy Policy
Zoey, your purple-haired credit assistant, offering a helping hand.