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Turn your credit score from a gremlin to a majestic unicorn
Nobody forgets the thrill of their first credit card. Maybe because it tastes like sweet freedom ... or because it leaves a permanent mark on your credit score when you forget to pay off those spending sprees. Who else hit the mall feeling like they had "free money?" Well, now that you're a real adult, it's time to improve your credit score. If you want to apply for a home loan, increase your credit limits, or get more credit cards, it's unfortunately necessary. But how? Like most things these days, this AI tool can help. Try CreditReady AI Genius for $59.99 (reg. $399). CreditReady isn't like hopping onto ChatGPT and asking how to build credit. It's an AI-powered credit monitoring tool that pulls real-time numbers from the top three credit bureaus: Experian, Equifax, and TransUnion. You'll get the most accurate information about your credit score, and at one of the least expensive prices out there today. Major shoutout to AI. Maybe you'll find out that your credit score is considered fair (something like 630-689). Now what? You can ask CreditReady's AI chatbot, Tim AI, for advice on where to go from there. He might recommend a credit card that helps you build credit. Or, if you have a debt to pay off, he could help you form a plan to start paying it off. Another perk of using an AI tool is that it's completely unbiased. If CreditReady recommends a credit card or loan provider, you know those companies aren't paying them to do so, so they're actually the best products for your situation. It's time to turn your ugly credit score into a majestic unicorn. Get a CreditReady AI Genius lifetime subscription for $59.99 (reg. $399).
Popular Science
Sat, 5 Oct, 2:04 PM UTC
Credit Karma unveils updated AI tools to help you better understand your finances
Imagine having a financial advisor, immersed in your financial data, ready to answer your money questions at any hour. That's Credit Karma's goal with its new and improved AI assistant. Since its launch in 2007, Credit Karma has aimed to help people make sense of their finances by providing them with key insights, resources, and more. On Wednesday, Credit Karma unveiled an updated version of Intuit Assist, a generative AI financial assistant initially launched in private beta last fall. The AI assistant, available to all Credit Karma users on the app, can now assist with a wider range of topics, including personal finances. Also: 6 ways to save money on TV streaming without losing the shows you love Like any other chatbot, you can chat conversationally with Intuit Assist to get answers to your financial questions. However, the difference between Intuit Assist and any other AI chatbot capable of providing financial advice is that it is grounded in your data. "We want AI to really understand, so we're trying to give AI a sense, not just of what your data is, but who you are and what probably matters to you right now so it has a good way to talk to you," said Ryan Graciano, Credit Karma's Chief Product Officer and Co-Founder. Intuit Assist can answer questions regarding your finances using the information you have linked to your Credit Karma profile, such as personal spending, debt, net worth, and more. Users can ask Intuit Assist for anything from financial advice to general finance questions, such as what a term means, to specifics about their financial health, with the chatbot acting like a 24/7 financial advisor. I had the opportunity to demo the product, and my favorite feature was the chatbot's insights on spending habits. Also: You can trade in old electronics for Amazon gift cards. Here's how it works During the demo, Graciano asked Intuit Assist to learn more about his spending habits last month. The chatbot provided a complete breakdown accompanied by a colorful graph visualizing the spending, as seen below, all within seconds. "We built some pretty cool technology that can then take that AI response and visualize it, and the AI actually decides what visualization to show, which is also pretty neat," said Graciano. Users can then use those insights to inform their future financial decisions, such as adjusting spending habits, budgeting, or deciding which credit card to open to maximize rewards. If they need advice on acting on those insights, users can ask Intuit Assist further questions. Other instances of AI on the app include the "Your Insights," "Ask Intuit Assist," and "FAQs" sections, which leverage AI to show you the information that it deems most helpful and pertinent to you. For example, under "Your insights," you will see trends based on your financial data, such as your connected accounts, credit score, and profile. "If you consider what you would want a financial assistant to do for you, you wouldn't want to call them [human, financial advisor] every day and ask them what I should pay attention to today," said Graciano. "You actually want them to reach out to you and say, these are the things you pay attention to, so that's kind of the idea." The FAQs section displays frequently asked questions from Credit Karma members, which users can then click on to prompt a conversation with Intuit Assist to explore the topic further. Similarly, the "Ask Intuit Assist" section displays what Credit Karma calls "top-of-mind questions" across different financial topics, which users can also click on to learn more about. Lastly, the new "shop intelligently" AI-powered credit card shopping experience provides users with personalized and contextualized explanations regarding which card best fits them, using their debt and financial health as factors when recommending a card. "If you're interested in, you know, one card or another, Credit Karma is also really good at this because we have a much more transparent approval than many of our competitors," said Graciano. "I always like to draw an analogy to shopping for pretty much anything else on the internet -- it's really weird to go anywhere and see a list of products and not know if you can get them -- and so our site really strives to make it as transparent as possible." Also: I changed these 5 TV settings to lower my electric bill. Here's why they work To help users navigate the card shopping experience, embedded questions and commands allow them to educate themselves further on the card options. A sample command would be, "Help me compare travel card offers," which, when tapped, would prompt an AI-generated response. Naturally, you may be apprehensive about letting AI access your financial data. However, Graciano said security was at the top of their minds. "Security is in our DNA," said Graciano. "Secure by design has been one of our principles for as long as I've been here; it has been everything we have done; everything we do is always security first." Another widespread concern regarding generative AI models is their credibility, as they are prone to hallucinations. So, how much can you trust the advice Intuit Assist gives? Graciano shares that although the technology is imperfect, it is well-informed on Intuit data and content, allowing it to perform with impressive accuracy. "It is true that the nature of the technology is not perfect; to be frank, though, traditional software technology is also not perfect," said Graciano. "What's really imperfect is going and reading 1000 articles online, digesting them, trying to understand what they mean, and then making decisions." Also: Want to save your old computer? Try these 5 Linux distributions "We have a huge advantage in that Intuit has a lot of data and a lot of content, and with our content, we can really hone it in on what makes sense -- so it's very unlikely to tell you something really wild and out there." I have been a Credit Karma user since I was looking into opening my first credit card in my freshman year of college and have found the platform genuinely helpful in understanding my finances. When I was briefed on these tools, as a user, I became genuinely excited about what they have to offer as they seem like they will elevate the user experience and provide insights that I could benefit from learning myself. However, I am curious to see how it will handle the challenges above, and I will put it to the test myself to find out. If you, too, want to access these new features, you need only create a free Credit Karma account and download the app, which is free and available on the Apple App Store and Google Play Store.
ZDNet
Wed, 24 Jul, 2:07 PM UTC
Take Control of Your Credit for Life with This AI Tool
Disclosure: Our goal is to feature products and services that we think you'll find interesting and useful. If you purchase them, Entrepreneur may get a small share of the revenue from the sale from our commerce partners. According to the Federal Reserve, nearly 40% of Americans struggle to access affordable credit, limiting their financial growth and business opportunities. In today's rapidly changing economy, having a solid credit foundation isn't just helpful -- it's essential for entrepreneurs, small-business owners, and individuals alike. That's where AI can be of service. CreditReady AI is just $59.99 (reg. $399). It gives you access to an AI-powered platform that helps you take control of your credit, improve your financial standing, and protect your personal data. Gone are the days of blindly navigating credit markets or relying on biased advice from lenders. CreditReady AI offers a comprehensive, unbiased credit marketplace, using advanced AI to deliver personalized recommendations tailored to your unique financial situation. With full credit monitoring from the three major bureaus -- Equifax, Experian, and TransUnion -- you get a clear, complete view of your credit health in real time. Tim AI, the platform's chatbot, serves as your financial advisor, offering expert guidance on everything from improving your credit score to finding prequalified loan and credit card offers. Whether you're looking to qualify for better interest rates or protect yourself from identity theft, Tim AI offers advice and support. One of the key differentiators of CreditReady AI is its commitment to transparency. Unlike other services that suggest financial products based on commissions, CreditReady makes recommendations entirely based on your credit profile and goals. You can trust that every suggestion is made with your best financial interest in mind. Whether you're a business professional looking for financing options or an individual aiming to build or repair credit, CreditReady AI ensures you receive objective, data-driven advice -- not recommendations driven by lender kickbacks. For just $59.99 (reg. $399), you can unlock lifetime access to CreditReady AI's Genius Plan, providing ongoing support for your unique credit journey.
Entrepreneur
Fri, 11 Oct, 2:09 PM UTC
Credit Sesame Unveils Cutting-Edge AI Platform in SaaS to Revolutionize Credit Management
Sesame, the embedded finance credit intelligence platform, empowers businesses to unlock new growth while delighting and engaging their customers SAN FRANCISCO, Oct. 24, 2024 /PRNewswire/ -- Credit Sesame, a pioneer in consumer-focused financial technology, today announced the launch of its groundbreaking credit intelligence platform, Sesame for businesses. With a focus on delivering innovative credit solutions, Sesame redefines the credit management category and empowers businesses to offer an unprecedented credit intelligence and experience for customers. Building on over a decade of credit expertise with a proven track record of serving 18 million customers and AI models trained with over 7 trillion data points, the platform provides a full stack, end-to-end solution with personalized credit analysis, real-time financial insights, and access to an offer engine to tailor credit offers. These features are integrated seamlessly into the platform's award-winning experience, the first of its kind in the market. With six patents in credit technology, this transformative platform sets a new standard in credit management, and enables enterprises to deliver credit in context for a superior credit experience that meets the evolving demands of consumers and today's market. Focus on Driving Consumer Success The Sesame platform enables consumers to improve their credit health by providing personalized, actionable recommendations that help raise credit scores, lower borrowing costs, and enhance financial stability. With better credit, consumers gain access to more favorable loan terms, lower interest rates, and a wider range of financial products, which can significantly reduce the cost of borrowing and open new financial opportunities. Sesame Platform Key Features: Unlocking New Opportunities for Businesses Sesame empowers businesses to offer personalized credit and financial wellness solutions "out-of-the-box" with full customization capabilities. With the ability to integrate seamlessly into existing systems, businesses can launch customized credit management solutions quickly and efficiently, driving growth while deepening customer relationships. Instant, Personalized Credit Insights: Advanced AI technology delivers actionable credit analysis - praised by customers and reflected in industry-leading ratings - and recommendations, empowering consumers to improve their credit scores and make informed credit decisions in the context of their credit well-being.Customizable Offers Engine: Provides credit offers in context by connecting their financial products with the consumers' credit profiles or sourcing from a broad marketplace of products.Scaleable, White-Label Integration: Businesses can seamlessly integrate the Sesame platform's features into their existing systems, allowing for complete customization and branding and making it easy to launch personalized credit solutions quickly and efficiently. "Consumers deserve a smooth and personalized experience when managing their credit," said Adrian Nazari, CEO of Credit Sesame. "The Sesame platform leverages our years of experience combining the power of data, analytics, and AI to deliver credit in context, exactly when and where customers need it. This is the kind of tailored, intelligent experience that consumers expect from their financial partners in the modern era. This is a game-changer for financial institutions, unlocking new growth opportunities while enhancing customer satisfaction, retention, and engagement." A Defining Moment for the Industry The launch comes at a pivotal moment, as the financial services industry anticipates a new cycle of declining interest rates following historic rate hikes. This shift is expected to trigger a surge in refinancing and credit transactions over the next few years. With the Sesame platform, financial institutions can position themselves to capitalize on this trend by offering innovative credit solutions that meet the rising demand for consumer-friendly credit management. The Shift is Already Underway A significant financial enterprise customer, serving tens of millions of customers, has already adopted the Sesame platform, with interest among other leading enterprises growing. The upcoming public announcement of his major partnership underscores the platform's robustness and growing demand in the market. About Credit Sesame Credit Sesame is a leading financial wellness platform dedicated to helping consumers achieve better financial health through cutting-edge technology and data-driven solutions. With a decade of credit expertise and a proven track record of serving over 18 million users, Credit Sesame leverages AI and advanced analytics to empower individuals to improve their credit scores, enhance approval odds, and reduce credit costs. The recently launched Sesame Platform extends this mission by providing financial institutions with a turnkey AI-powered credit intelligence solution. It enables businesses to offer personalized credit and financial wellness experiences, driving deeper customer engagement and growth. Backed by leading institutional and strategic investors, Credit Sesame operates across the U.S. For more information, visit www.creditsesame.com and follow on Instagram, Facebook, X, and LinkedIn. Kara De Los Reyes 9085783594 385387@email4pr.com View original content to download multimedia:https://www.prnewswire.com/news-releases/credit-sesame-unveils-cutting-edge-ai-platform-in-saas-to-revolutionize-credit-management-302286067.html SOURCE Credit Sesame Market News and Data brought to you by Benzinga APIs
Benzinga
Thu, 24 Oct, 4:03 PM UTC
CheQ Introduces First AI-Powered Credit Expert for Smarter Financial Decisions
Another important feature is the "Unified Rewards View," in which all the credit card rewards are grouped in one place. This feature makes it easy for consumers to track the benefits for various cards and thus get the most out of them. Moreover, CheQ Wisor gives recommendations to clients based on their spending habits, giving them suggestions they can follow. The following tips are meant to assist users in maximizing on their rewards without incurring more expenses than necessary. CheQ Wisor is currently only accessible through the CheQ platform. The company has made it available for a few Beta whitelisted users to use the platform and experience it firsthand before everyone else. During this early access period, CheQ will collect feedback and adjust to open the tool to a wider audience. CheQ's Founder and CEO Aditya Soni noted that the management of credit can be a daunting process particularly when one is using several credit cards that offer different rewards. Soni explains that CheQ Wisor wants to address this issue and provide users with a simple and effective tool to manage their credit card holdings. He thinks that with the help of the tool, the users will be able to be financially wise and at the same time enjoy the use of their credit cards. The introduction of CheQ Wisor shows that CheQ is ready to innovate and provide innovative financial management services. The AI technology used in the platform helps users have better control of their credit card usage, and at the same time, it automatically enables users to manage and optimize their use of the credit card without having to do it manually.
Analytics Insight
Fri, 24 Jan, 10:07 AM UTC
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