A clearer way forward
Understand where you stand, build better habits, and choose the support that fits your life. Top Notch Credit AI brings free education and your next steps together in one place.
Your journey begins with an activated account. No automatic paid enrollment.
Knowledge.
Confidence.
Possibility.
Start where you are.
Build from there.
A better place to begin
Credit can feel overwhelming when you're sorting through unfamiliar terms, past setbacks or big financial goals. You deserve a clear explanation and room to make informed decisions.
Start by learning the process for yourself. If you later want more structure or help from our team, explore the level of support that makes sense for you.
Three levels of support
Begin with free education. Explore the upcoming membership options when you're ready for more support.
01 / LEARN
FreeNo paid membership required
Learn the process and use the manual DIY tools yourself: review your reports, choose factual reasons, prepare letters and track your correspondence.
02 / DO IT YOURSELF
$19.85Proposed monthly membership
A planned software membership for people who want to stay hands-on with more help organizing the process.
Final terms and pricing will be provided before enrollment. An active membership will be required.
03 / GET SUPPORT
Guided supportPricing to be announced before enrollment
A planned option for people who want more help from our team with organization, review and the next steps.
Services and terms will be explained before you enroll. An active membership will be required.
Your free account does not activate a paid plan. No automatic upgrades or charges.
Simple from the start
Set up your account when you're ready to begin.
Confirm your email to activate your free learning access.
Start learning and find the resources available to your account.
Stay with the free Academy or consider a paid option when enrollment opens.
Knowledge you can keep
Learn to understand reports, recognize factual concerns, build credit habits, compare borrowing costs and prepare your own next steps. The Academy gives you the process, the practice and the printable resources.
Account verification comes first. A paid plan is optional.
Before you begin
Clear expectations make it easier to choose your next step.
Create your free account and confirm your email. Once your account is activated, sign in to your portal to explore the Academy and the features available to you.
Yes. The free tier includes 36 lessons across 12 modules, manual report review, factual-reason letters, PDF workbooks and a correspondence tracker. A verified free account unlocks it. You do not need a paid membership.
No. Your free account does not automatically enroll you in a paid plan or create a charge. The DIY and done-for-you options are upcoming; enrollment is not open yet.
Paid tools will require a separately activated membership when enrollment opens. Creating or verifying a free account does not activate paid services.
No. Outcomes depend on your circumstances. Accurate negative information is not automatically removable. Our focus is education, informed choices and a clear process.
Absolutely. You can keep using the free Academy through your verified account without upgrading. Choose additional support only if it fits your needs.
Start with a little clarity
Create your free account, verify your email, and begin building your knowledge.
Create my free account