CREDIT CLARITY + CREDIT BUILDING
Build credit history, follow your progress, and take your next step with free dispute letters powered by Zoey AI.
Free to join. No card required. Your invitation arrives by email.
Credit-building memberships from $9.99/month →Example credit score
642642, up 62 points from 580 in this fictional example.Connect the number to the details in your report.
MORE WAYS TO MOVE FORWARD
Credit building, the bills you already pay, and Zoey to help you understand the details.
EVERY PAID MEMBERSHIP
A credit builder gives you an account to build payment history. Zoey helps you keep the next payment and your next step in view.
COMPLETE · $39.99/MONTH
Bring eligible rent and utility payments into your credit story, with a clear view of what’s verified and reported.
Launch membership features. Final account limits, eligibility, reporting coverage and terms are provided before enrollment. On-time payments matter; missed payments may hurt your credit.
ASK ZOEY
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 AMLet’s check the balance and the date it was last updated. Compare those details with your payment confirmation.
9:41 AMZoey organizes your report and highlights details for you to review.
Example report review
Compare the reported balance and its last updated date with your account statement. A recent payment may not appear until the next reporting update.
Compare account numbers, creditor names and dates. Similar names alone do not establish a duplicate; check whether the entries describe the same account.
Check the reported month and payment status against your statements and payment confirmations. Keep those records together for anything you believe is inaccurate.
FREE ZOEY · $0 DRAFTING FEE
Turn the facts you provide into a clear dispute-letter draft. Review the wording, download your included letter, and choose how to send it.
Identify the entry, the issue, and the records that support you.
AI helps organize your explanation and requested correction.
Review, download, and choose how to send. Postage is separate.
Create and manage your letters in Zoey when access opens. Join early access for your invitation. Free-access limits will be disclosed before launch.
LAUNCH PRICING
Start with free AI-powered dispute letters. Add credit building, report access, and more guidance with a paid plan.
Build your foundation.
$9.99/month
Credit-builder limit $750
Join Essential early access1 included AI letter/month. Postage is separate.
Build with a plan to follow.
$19.99/month
Credit-builder limit $2,500
Join Plus early accessAI-letter allowance confirmed before launch.
Build with the bills you already pay.
$39.99/month
Credit-builder limit $3,500
Join Complete early accessAI-letter allowance confirmed before launch.
Early access is open. Membership features become available at launch. Final features, account limits, eligibility and service terms will be provided before enrollment. Joining is free and does not open a credit account.
FREE ZOEY
A clear draft, your review, and an included download. Free Zoey also includes a basic score and one-bureau report view at launch. Create and manage your letters in Zoey. Free usage limits will be disclosed before launch.
ZOEY BY PINNACLE CAPITAL
Starting credit, rebuilding habits, or preparing for an apartment? Start with the information behind the number.
Zoey’s guidance connects explanations to the underlying report. You stay in control of decisions and dispute approval.
How Zoey works →Founded by Grizz, Zoey is a product by Pinnacle Capital. Product and privacy questions have a direct support contact.
Meet the purpose behind Zoey →Start with free AI-powered dispute letters and a basic credit view in Zoey. Join early access for your invitation.
Explore free AI letters →Explore Zoey, compare memberships, and join early access. Your invitation will explain how to access the app and its features. Joining the list does not create an app account or start a subscription.
Yes. Free Zoey includes AI-powered dispute letters at launch. Review and download included letters with no extra drafting or download fee. The free allowance will be disclosed before access opens. Letter drafting takes place in Zoey. Postage is separate.
Essential includes 1 AI-powered dispute letter each membership month, at no additional drafting charge. One letter addresses one account or issue to one recipient; three recipients need three letters. Revisions to that same letter stay within its allowance. No rollover. Included downloads have no extra fee. Free-plan and upper-tier AI allowances will be disclosed before launch. Letter drafting and postal mailing are separate: Essential does not include postage, while Plus and Complete each include 3 standard envelopes per month.
The limit shown is for a restricted credit-building account. It is not a cash payout or a general-purpose credit card. Review the final limit, permitted use, payments, fees, account term, eligibility, and reporting bureaus before you enroll.
Essential at $9.99/month includes 1 credit score and a one-bureau report view. Plus and Complete 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.
No. You review the report entry, compare supporting records, and approve the factual draft 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.
ZOEY EARLY ACCESS
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.
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