Understanding your credit shouldn’t require a black box.
The traditional system runs on bureau math you’re never allowed to see. We built BuffYourCredit the opposite way: every rule visible, every estimate explainable, every piece of data yours.
01
Show the math
Our engine is plain, rule-based code, not AI. When we say a move could add points, we can show you exactly why.
02
Your data stays yours
No bank connections, no aggregators, no bureau APIs. That’s a permanent choice, not a feature we haven’t built yet.
03
No miracle promises
Real credit improvement takes steady months. We give you estimates and a plan, never guarantees.
How we make money
You deserve to know, especially from a company asking you to trust it with your finances.
Free for everyoneEvery feature is free. No subscriptions, no upgrade wall.
Labeled partner offersWhere a product fits a step in your plan, like a secured card, we may show a partner and earn a commission if you sign up. Always marked, and never allowed to change your plan.
Never your dataWe don’t sell or rent what you enter. Not to lenders, not to advertisers, not to anyone.