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Credit Score Factors

Explain how credit habits and account details may affect your score and what to check next.

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Credit Score Factors

$5.99 / month

Access to Credit Score Factors only.

Renews monthly until canceled.

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Payments are generally non-refundable after access is activated, including for disliked, inaccurate, or unsuitable responses. Cancellation stops future renewals; it does not request a refund. Your legal rights still apply. Read the billing and cancellation policy

Plan facts, refunds, and privacy
  • Agents provide AI-generated text assistance. They do not send messages, connect to your accounts, process uploaded files, or create finished media files.
  • Usage limits and service availability apply. Access does not promise unlimited use or guaranteed results.
  • Chat connection safeguard: 50 counted session openings per account, shared across Agents. The counter resets one hour after the last counted opening.
  • At the limit, another session opening is refused until the counter resets. An unsuccessful connection attempt can still count.
  • Opening a session is different from sending a message. This safeguard is not a message allowance. Usage and availability limits may also apply within a conversation.
  • The individual-Agent and all-Agent plans use the same account-wide connection safeguard. Opening an Agent chat requests a session; refreshing, opening another tab, or reconnecting can request another. Revising in an already connected conversation does not itself call this session-opening endpoint.
  • A refused opening does not add to the count or extend its reset. When the reset time is available, the workspace shows when to try opening the Agent again. The connection safeguard does not specify how many useful drafts or messages a subscription includes.
  • Manage future renewals in Account & Billing → Subscriptions. Cancellation and a refund are different actions.
  • Payments are generally non-refundable after access is activated, including for disliked, inaccurate, or unsuitable responses. Cancellation stops future renewals; it does not request a refund. Your legal rights still apply.
  • Your prompts and relevant context are sent to the enabled AI service to generate a response. Avoid confidential, regulated, highly sensitive, or unnecessary personal information. Retention and deletion depend on the service and provider; read the Privacy Policy before sharing work.
  • For billing or access help, email help@ai-gen.co. Include your account email, order number, Agent name, and a short description of the issue. Do not send passwords, payment-card details, or confidential prompts.
  • If a payment has already been taken but access is missing, review your existing order and contact support before buying again. Report duplicate charges or billing errors through the same route. Any remedy follows the billing policy and applicable law.

Billing & Cancellation · Privacy Policy · Terms of Use

If a score change or credit report has left you wondering what matters, get a plain-language breakdown of payment history, credit utilization, account age, new applications, and credit mix. Compare balances with limits, interpret report wording you paste, and list questions to raise with a bureau or lender. Leave with a factor-by-factor explanation and specific items to review.

What it writes

  • Credit factor breakdown in plain language
  • Balance-to-limit utilization calculations
  • Questions to ask the credit bureau

How to use it

Include the exact report wording, the date of any score change, and relevant balances and limits. Say what you want to understand, such as a utilization calculation or which entries to ask the bureau about.

This workspace provides text assistance.

What you bring

  • Credit report wording or factors in question
  • Balances, limits, and relevant account ages
  • Your goal for reviewing your credit
  • Remove account numbers and identifying details

A good fit for

  • Checking why a credit score changed after a missed payment
  • Comparing card balances with limits before paying down debt
  • Making sense of report wording before contacting a credit bureau

Ways to start

A few requests this Agent can handle.

My score dropped 24 points after a late card payment last month. Explain how payment history may factor in and what report entries to check.

I owe $1,800 on a card with a $6,000 limit and $900 on one with a $2,000 limit. Calculate utilization for each and overall.

My report says my oldest account is 11 years old, I opened two cards this year, and I have a car loan. Explain which score factors these relate to.

What this Agent does not do

It does not carry out actions in other applications.

  • Not a substitute for advice from a qualified financial adviser.
  • No exact score prediction or lender decision
  • Not a service for disputing errors or contacting creditors
  • Can only assess report wording and figures you paste here
  • Cannot predict a bureau's scoring model or score change

Choose where you want to work

Ai-GEN Agents
Use a text workspace here on Ai-GEN with access to one selected Agent or the all-Agent plan. Review the Agent’s own offer and limits.
GPTs on ChatGPT
GPT links open on ChatGPT. OpenAI’s account, access, and usage requirements apply separately. An Ai-GEN purchase does not include a ChatGPT subscription.
Skills
Skills are coming soon and are not included in these Agent offers.

Before you subscribe

What am I buying?

Choose access to this named Agent or the all-Agent plan. The offers above show the current price, billing frequency, and exact scope. GPTs on ChatGPT and future Skills are separate.

What happens after payment?

Checkout creates or uses your Ai-GEN account. Once your payment is confirmed, you can start using your Agent. Open it from your order confirmation or account. Choose a starter task, add your inputs, and send your first request.

Can I cancel?

Yes. Manage cancellation under Account & Billing → Subscriptions. Review the status and cancellation details shown there before confirming.

What if the response is not right for me?

Payments are generally non-refundable after access is activated, including for disliked, inaccurate, or unsuitable responses. Cancellation stops future renewals; it does not request a refund. Your legal rights still apply. Read the billing and cancellation policy

Can I use the response in my work?

Use it as a draft to review and adapt. Verify calculations, facts, rights, and suitability before relying on it. Do not provide information you do not have permission to share.

Can I paste work or client information?

Your request and relevant context are sent to the enabled AI service to generate a response. Use placeholders and share only the minimum information you have permission to send. Avoid confidential, regulated, highly sensitive, or unnecessary personal information; removing names alone does not make restricted material suitable. Review the Privacy Policy before sharing work

What if I have paid but cannot open the Agent?

Sign in with the account used for the purchase and review your existing order in Account & Billing. Contact support with your account email, order number, Agent name, and a short description of the issue before buying again. Do not send passwords, payment-card details, or confidential prompts. Contact support

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