Your credit report isn't the end of your story. It's where your next chapter begins.
Understand what's on your credit report. Discover what deserves attention. Build a smarter financial plan with Monyra.
Free plan available forever. No credit card required.
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The starting point
Sound familiar?
Most people can open their credit report. Far fewer can tell what it actually means for them.
Your report is pages of codes
You can see the balances and the abbreviations, but not what any of it means for you.
Three bureaus, three versions
Equifax, Experian and TransUnion each show something slightly different, with no single view.
You don't know what to look at first
Everything reads as equally urgent until someone helps you put it in order.
You can't tell whether anything changed
Without a record to compare against, this month looks exactly like the last one.
How Monyra helps
From a confusing document to a plan you can follow
Every step below is something you drive. Monyra shows you the numbers and the options — it never changes anything on its own.
Read your report in plain English
Upload a credit report and Monyra extracts the accounts it contains, then shows them to you as a single list instead of three separate bureau layouts. Nothing is used until you have reviewed it.
- Accounts from Equifax, Experian and TransUnion shown together
- You confirm or correct every extracted value
- Accounts that look like duplicates across bureaus are flagged for your decision
Credit accounts
Add accountAccounts reported by more than one bureau are merged into a single row.
Chase ••4412
Revolving · Open · Equifax · Experian · TransUnion
Balance
$1,240
Limit
$2,000
Payment
$45
Portfolio Recovery ••2210
Collection · Equifax · TransUnion
Balance
$410
Limit
—
Payment
—
Review each account, one at a time
A guided walkthrough asks a few plain questions about each account. Monyra records your answers, separates what you have confirmed from what you are unsure about, and lists the documents worth gathering before you do anything else.
- Guided account-by-account review
- Confirmed facts kept separate from possible errors and possible identity theft
- A checklist of what to collect before you contact anyone
Account review & disputes
1 dispute in progressWork through each negative account, then review only what you believe is wrong.
Accounts worth reviewing
Portfolio Recovery ••2210
In collections · Equifax · TransUnion
Capital One ••7731
Past due · Experian
Chase ••4412
30 days late · Equifax
Monyra never files anything for you, and it never suggests disputing something that is accurate.
Plan your utilization
See how your balances compare to your limits, per card and overall, and what a planned payment would do to that ratio before you make it. Monyra does the arithmetic; the decision stays with you.
- Per-card and overall utilization in one view
- See the effect of a payment before you make it
- No balance is ever moved and no payment is ever sent
Utilization planner
Overall revolving utilization
38%
Total revolving balance
$1,650
Total credit limit
$4,300
Test a balance target
To reach 30% overall, revolving balances would need to fall to $1,290 — an estimated payment of $360.
| Card | Balance | Utilization | Payment required |
|---|---|---|---|
| Chase ••4412 | $1,240 | 62% | $640 |
| Capital One ••7731 | $410 | 18% | $0 |
Planning scenarios, not guaranteed score targets. Monyra does not present 30% as a scoring threshold.
Run a what-if simulation
Try a scenario — paying down a card, opening nothing new, letting an older balance age — and see how Monyra's own Credit Health Rating responds. Simulations are hypothetical and never touch your records.
- Build and save several scenarios side by side
- Compare them against your current position
- A proprietary educational indicator, not an official credit score
This is a simulation. It runs on your confirmed report data and never changes your real credit records.
Build a scenario
Action
Account
Pay Chase ••4412 down by $600
Utilization 62% → 32%
Scenario result
Current state
58 / 100
Your action
• Pay down a card
Simulated state
67 / 100
Monyra Credit Health Rating: 58 → 67 (+9)
| Factor | Current | Simulated |
|---|---|---|
| Revolving utilization | 62% | 32% |
| Derogatory accounts | 1 | 1 |
| Hard inquiries (12 mo) | 2 | 2 |
Follow an action roadmap
Monyra turns what it found into a prioritised list of next steps with suggested timeframes, and keeps track of which ones you have completed. The Free plan includes the basic account list and roadmap; Pro unlocks the full roadmap.
- Next steps ordered by priority, not by page order
- Suggested timeframes so nothing sits forever
- Progress kept as a record you can return to
Credit improvement roadmap
Build planPrioritized recommendations built from your confirmed data and checked against your budget.
What your budget can support
Monthly income
$5,200
Committed
$4,310
Monthly surplus
$890
Available to redirect
$420
Your credit roadmap
Do now
Bring Capital One ••7731 current
Reports an amount past due right now.
Simulate this
Review Portfolio Recovery ••2210
In collections on two bureaus.
Review this account
Educational guidance based only on the data you have confirmed. No score increase is guaranteed.
Track what actually changed
Each report you confirm becomes a record you can compare against the next one. See which accounts appeared, which balances moved and what dropped off, without rebuilding the picture by hand.
- Compare one confirmed report against the previous one
- See new accounts, changed balances and removals
- Full progress tracking and alerts are part of Pro
Progress over time
One point per reporting period, from your confirmed reports only. Monyra never fills in months you did not report.
Monyra Credit Health Rating
Monyra's own educational rating — not a FICO or VantageScore
Overall utilization
Getting started
Four steps, about ten minutes
You can start with just your score and add a report later.
- 1
Create your free account
No credit card, no trial clock. The Free plan is available forever.
- 2
Bring in a report
Upload a credit report, or enter your score by hand if you'd rather start there.
- 3
Review and confirm
Monyra extracts the accounts it finds. You confirm or correct every value before it is used.
- 4
Work the roadmap
Follow the prioritised next steps and track which ones you've completed.
Plans
Free to start. Pro when you want the full toolkit.
AI features are counted monthly and are never described as unlimited.
Free
- Dashboard & net worth tracking
- Bill manager, budgeting & savings goals
- Debt manager with strategy engine, loan payoff & settlement tracker
- Life Goals, Stress Index & Emergency Prep
- Manual credit score tracking & Credit Health Rating
- Basic credit account list & roadmap
- 10 AI CFO messages / month
- 3 document analyses / month
- 1 credit-report analysis / month
- Unlimited PDF report exports
Pro
- Everything in Free
- AI Payment Planner & Smart Bill Sync
- 90-day Cash Flow Forecast
- Full Credit Center: Simulator, Utilization Planner, Account Review, Dispute Assistant, duplicate & unreported-debt detection
- Full Credit Progress, Roadmap & alerts
- AI Insights — personalized financial activity analysis
- Negotiation Playbook
- 100 AI CFO messages / month
- 25 document analyses / month
- 5 credit-report analyses / month
You'll review the Subscription Terms, Refund Policy and Privacy Policy before payment.
Straight answers
Privacy, transparency and limits
These are the boundaries of what Monyra does with credit information. They are not fine print.
- Monyra is not a credit bureau and is not a credit repair organisation.
- Monyra does not guarantee any credit score increase and does not remove accurate information from a credit report.
- The Credit Health Rating is Monyra's own educational indicator. It is not an official credit score, and Monyra does not provide one.
- Disputes are prepared by you and sent by you. Monyra never files anything on your behalf and never marks a dispute as sent unless you say so.
- Uploaded reports are stored in private storage and are readable only by your own account.
- Report contents, account numbers and balances are never sent to marketing analytics.
FAQ
Credit questions, answered plainly
If something here is unclear, the AI CFO inside the app can walk through your own numbers with you.
Start with the report you already have
Create a free account, bring in one report, and see your accounts in one place for the first time.
No credit card required.