How Nexora Works
Master your credit health in 6 simple steps. From adding your first card to achieving your financial goals, we guide you every step of the way.
Create Your Free Account
Sign up in under 2 minutes with your email. No credit card required to start. You'll automatically get a 7-day Premium trial with full access to all features.
Pro Tip: Use the same email you use for your credit card accounts to make tracking easier later.
Add Your Credit Cards
Enter your credit card details manually: card name, credit limit, current balance, and payment due date. We never ask for your actual card numbers or CVV—your data stays private and secure.
What You'll Need:
- Card name (e.g., "Chase Freedom")
- Credit limit ($1,000, $5,000, etc.)
- Current balance
- Payment due date
Security First:
We NEVER ask for your full card number, CVV, PIN, or online banking credentials. Your financial data is encrypted and stored securely.
View Your Credit Health Score
Instantly see your estimated credit score (300-850 range) based on your credit utilization, payment history, and account age. Our algorithm mirrors the factors used by major credit bureaus.
High utilization, missed payments
Moderate utilization, some late payments
Low utilization, on-time payments
Get AI-Powered Recommendations
Our AI analyzes your entire credit profile and recommends the most effective payment strategy. See exactly which card to pay, how much to pay, and why—all personalized to maximize your credit score improvement.
Example Recommendation:
Chase Freedom
Pay $500 to reduce utilization from 85% to 50%. This will increase your credit score by an estimated +25 points.
Discover It
Payment due in 3 days! Pay at least $35 to avoid late fees and credit score damage.
Use Premium Features
Unlock powerful tools with your 7-day free trial (then $4.99/month). Simulate payment scenarios, get SMS alerts, and receive monthly credit health reports.
What-If Simulation
Preview how different payment amounts will impact your credit score before you commit. See the exact point increase for any payment.
SMS Alerts
Get text reminders for urgent payments (less than 3 days away) and budget alerts when you exceed 80% of your spending limit.
Monthly Reports
Receive a comprehensive email report on the 1st of each month with your credit health summary, trends, and personalized recommendations.
Priority AI Support
Chat with our AI assistant for instant answers to your credit questions and personalized financial guidance.
Track Your Progress
Watch your credit score improve month over month. Record payments, update balances, and see real-time changes to your credit utilization and score. Celebrate milestones as you reach your financial goals!
Success Story:
"I started with a 580 credit score and 85% utilization. Using Nexora's AI recommendations, I strategically paid down my highest-utilization cards first. In just 3 months, my score jumped to 680!"
— Sarah M., Nexora Premium User
Understanding Your Credit Score
Your credit score is calculated based on several key factors. Here's what matters most and how Nexora helps you improve each one.
Payment History
The most important factor. Late or missed payments severely damage your score. Nexora sends reminders so you never miss a due date.
Credit Utilization
How much of your available credit you're using. Aim for under 30% (ideally under 10%). Nexora shows you exactly how much to pay to reach optimal utilization.
Credit History Length
How long you've had credit accounts. Older accounts help your score. Keep your oldest cards open even if you don't use them often.
Credit Mix & New Credit
Having different types of credit (cards, loans, mortgage) and avoiding too many new applications helps. Nexora helps you manage what you have before adding more.