Denise Joyner
Credit Intelligence Bot
"Navigating Success, One Wave At A Time"
Created by Denise Joyner, Owner of New Wave Resolutions LLC. Your comprehensive AI credit education assistant for consumer rights, dispute strategies, and financial identity management. Powered by expert knowledge of FCRA, FDCPA, and Metro 2® standards.
Ask 1 question → Get a step-by-step action plan.
by Denise Joyner · Owner & Founder · New Wave Resolutions LLC
Powered by Denise Joyner
24/7 Expert Credit Assistance
Get expert-level credit guidance any time of day or night. Our AI never sleeps — your credit questions are answered instantly, around the clock.
Night Owl? No Problem
Whether it's 2 AM or 2 PM, get instant answers to your credit questions. No waiting for business hours.
Instant Expert Responses
Powered by comprehensive knowledge of FCRA, FDCPA, GLBA, and Metro 2® standards — responses in seconds.
Any Time, Any Device
Access from your phone, tablet, or computer. Your credit assistant is always in your pocket.
Everything You Need for Credit Success
Powered by comprehensive knowledge of federal consumer protection laws and credit reporting standards
AI Credit Assistant
Ask any question about credit disputes, consumer rights, and financial education
FCRA Expert Knowledge
Deep knowledge of Fair Credit Reporting Act and your legal rights
Credit Report Guidance
Paste credit report data into chat for AI-powered analysis and guidance
Dispute Letter Generator
Auto-generate professional dispute letters with legal citations
Dispute Tracker
Track your disputes with 30-day deadline countdowns
Credit Building Education
Learn strategies that can support healthier credit habits over time
Legal Reference Library
FCRA, FDCPA, GLBA, Metro 2® standards at your fingertips
Identity Theft Recovery
Step-by-step guided recovery from identity theft
Voice Prompts
Record voice prompts just like ChatGPT for hands-free assistance
Industry-Standard Security
Encryption in transit and at rest — we follow standard security practices to protect your data
Data Privacy
Your financial data is never sold, shared, or stored without consent
Business Advertising
Promote your business to our credit-focused audience
Speak Your Credit Questions
Just like ChatGPT, you can record voice prompts to ask credit questions hands-free. Our AI understands natural speech and provides expert-level answers about credit disputes, consumer rights, and financial education. Simply tap the microphone and start talking.
- Record voice prompts in natural language
- AI transcribes and responds instantly
- Hands-free credit assistance on mobile
- Works with all credit-related questions
Solutions for Your Exact Situation
Tell us what you're facing and get tailored credit strategies, dispute templates, and action plans
Your Data is Protected
Every Step of the Way
We take your financial data seriously. Our platform uses industry-standard encryption and security best practices to protect your most sensitive information.
Encryption
Your data is encrypted in transit and at rest
Standard Security Controls
We follow industry-standard security practices
Zero Data Selling
Your data is never sold or shared with third parties
Privacy-First Design
Built with privacy best practices from the ground up
Understanding Your Rights Under FCRA
The Fair Credit Reporting Act gives you powerful tools to dispute inaccurate information. Learn how to use Section 611 and 609 effectively.
5 Steps to Recover from Identity Theft
Identity theft can devastate your credit. Follow this step-by-step guide to freeze your reports, file disputes, and rebuild your score.
Metro 2® Reporting: What You Need to Know
Understanding how creditors report your data using Metro 2® format can give you an edge in disputing inaccurate items on your report.
What Our Customers Say
Hear from people using our AI credit education tools
"This bot helped me understand my FCRA rights and generate dispute letters. The AI knew exactly which sections to cite. Very helpful tool!"
"The voice prompt feature is amazing. I just talk about my credit issues and get expert-level guidance instantly. Game changer!"
"I was a victim of identity theft and the step-by-step recovery guide was incredibly helpful. The security features give me peace of mind."
*Individual experiences shared by users. Results vary and are not guaranteed.
Choose Your Plan
Start free with 300 daily credits. Upgrade anytime for more power.
Credits power your AI usage (questions, letter drafts, and tracking).
Ready to Take Control of Your Credit?
Start learning about your credit rights and building better financial habits with our AI-powered education platform.
*This tool provides credit education and guidance only. It is not a credit repair organization, law firm, or financial advisor. Individual results vary. Not affiliated with any credit bureau.