Take Control of Your Financial Future
Our AI reviews your credit, debt, income, expenses, and financial goals to build a personalized recovery plan.
Know Where You Stand. Build the Future You Deserve.
How It Works
Six steps from uncertainty to a plan
Every step feeds the next. By the end you hold one document that explains your situation and tells you exactly what to do about it.
Step 01
Financial Intake
A guided wizard captures your household, employment, income, expenses, assets, and goals — the full picture, not just a credit score.
Step 02
Upload Center
Drag and drop credit reports, bank statements, pay stubs, bills, and notices. OCR extracts the data; encryption protects it.
Step 03
AI Credit Analysis
Payment history, utilization, collections, account age, credit mix, inquiries, and reporting inconsistencies — explained in plain English.
Step 04
Dispute Center
When you identify a factual basis for questioning an item, we prepare bureau and creditor letters with mailing and tracking guidance.
Step 05
Debt Solutions
One personalized Debt Action Plan: snowball or avalanche, cash flow strategy, emergency fund, payoff dates, and priority debts.
Step 06
Income Improvement
Career paths, certifications, added hours, live job matching, plus resume and cover letter generation with an application tracker.
68
Credit Health Score
54
Financial Stability Score
41
Debt Risk Score
77
Income Stability Score
35
Recovery Difficulty Score
Illustrative sample. We never estimate exact FICO point impacts — instead we explain the major contributing factors and rank them by likely significance.
Features
A $10,000 advisor, built into software
Professional, intuitive, educational, and action-oriented. Every recommendation includes a clear explanation, estimated impact, and prioritized next steps.
Five Recovery Scores
Credit health, financial stability, debt risk, income stability, and recovery difficulty — each with the factors driving it, ranked by likely significance.
Financial Recovery Blueprint
A premium branded PDF with executive summary, credit and debt analysis, budget review, action checklist, and 90-day, 6-month, and 12-month plans.
Document Intelligence
OCR parsing of statements, reports, and pay stubs turns paper into structured data your plan can actually use.
Responsible Dispute Guidance
We never blanket-dispute accurate items. Letters are prepared only where you identify a legitimate reason to question the reporting.
Wholesale Policy Strategy
One educational option inside Debt Solutions, presented with full disclosures and a recommendation to consult a licensed insurance professional.
Bankruptcy Screening
Warning indicators surface a referral to a licensed bankruptcy attorney. We never tell you to file — we make sure you know when to ask.
Security
Your documents are treated like the evidence they are
Financial recovery requires sensitive paperwork. We collect only what the analysis needs, protect it end to end, and remove it as soon as it has served its purpose.
256-bit Encryption
Bank-grade encryption in transit and at rest across every document and field.
Encrypted Uploads
Documents are encrypted during upload, before they ever reach analysis.
Automatic Redaction
Sensitive identifiers are automatically redacted from stored records.
Automatic Deletion
Original uploads are deleted after analysis under our retention policy.
You Stay In Control
Delete any document at any time, directly from your dashboard.
Minimum Retention
Nothing is retained longer than necessary to deliver your plan.
What you get
What the program actually produces
No testimonials, no score promises. This is the work product, and results depend entirely on your own circumstances and follow-through.
A written read on where you stand
Utilisation, debt-to-income, payment history and real cash flow — ranked by impact, in plain English, built only from your own numbers.
Every account, compared across all three bureaus
The same tradeline lined up for Equifax, Experian and TransUnion. Balances, statuses and dates that disagree are flagged — inconsistency is the strongest factual basis a dispute can have.
Your real spending, from your own statements
Statements and CSVs are parsed into categories, recurring charges and subscriptions, so your plan runs on what you actually spend, not an estimate you typed.
Dispute drafts you review and mail yourself
Factual-basis letters prepared for your signature, with mailing method, tracking and the 30-day bureau response clock tracked for each one.
A payoff plan with a date on it
Avalanche and snowball modelled against your surplus, so you can see the month the balance hits zero and what changes it.
The Financial Recovery Blueprint
One branded PDF holding your analysis, budget review, dispute log, payoff plan and income actions — the whole program in a document you keep.
Uncle Million is an educational self-help program. You prepare and mail your own disputes, you may dispute items yourself free of charge directly with each bureau, accurate information is never removed, and no outcome is guaranteed.
Pricing
Everything is free — for a limited time.
Your report, unlimited dispute letters, the Debt Action Plan and loan reviews — all free for a limited time. No card required.
Free
$0always
Build your whole file — intake, documents, budget, debt and income planning.
- Financial intake wizard
- Document upload centre with automatic redaction
- Budget and money-leak analysis from your bank statements
- Debt payoff modelling (avalanche and snowball)
- Income improvement planner and progress tracking
Report + dispute letters
$0$15limited time
Unlock your full credit read and produce a batch of dispute letters. Need another batch later? Also free while this offer lasts.
- Full AI read of your credit report in plain English
- Your score explained: what it means and why it is where it is
- Cross-bureau comparison of every tradeline
- One batch of factual-basis dispute letters, ready to sign and mail
- Your Financial Recovery Blueprint PDF
Debt Action Plan
$0$50limited time
Your complete payoff strategy — unlocked once, yours permanently, updated every time your numbers change.
- Ranked payoff order across every balance
- Avalanche vs snowball comparison
- Extra-payment modelling and your debt-free date
- Included in your Financial Recovery Blueprint
- Unlocked forever — no subscription
Loan Review
$0$50limited time
Send over your mortgage, auto or personal loan and MCIII reviews it personally — rate, terms, payoff math and whether refinancing actually helps.
- Mortgage, auto, personal, student or business loans
- Rate and terms broken down in plain English
- Payoff, recast and refinance math run for you
- Written review sent straight to your private thread
FAQ
Straight answers
Know where you stand in under 20 minutes
Complete your intake, upload what you have, and receive your Financial Recovery Blueprint. Questions first? Send us a note and our team will reply within one business day.