Do not skip the "Bureau Sync." Go to File > Import > Annual Credit Report . Credit Wizard v1.1 requires a structured file. If you only have paper reports, use the mobile app to scan the barcodes.
Download the trial version of Credit Wizard v1.1 to run your first simulation. Just be warned: Once you see how much money you have been leaving on the table, you will never go back to free apps again. Disclaimer: This article is for informational purposes only and does not constitute financial or legal advice. Always consult with a certified financial planner or credit counselor before making significant changes to your credit profile. credit wizard v1.1
| Feature | Credit Wizard v1.1 | Credit Karma | MyFICO | | :--- | :--- | :--- | :--- | | | FICO 8/9 & Vantage 3.0 | Vantage Only | FICO Only | | Dispute Letters | Yes (Automated) | No | No | | "What-If" Simulation | Real-time, AI driven | Basic sliders | Basic calculators | | Dark Web Scan | Included (v1.1) | Separate fee | No | | Desktop App | Yes (Offline mode) | Web only | Web only | Do not skip the "Bureau Sync
For the serious financial adult—the person who checks their statements and plans their credit utilization like a chess player—Credit Wizard v1.1 is arguably the best $80 you will spend this year. It turns the dark art of credit scoring into a transparent science. Download the trial version of Credit Wizard v1