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Consulytica & AIDisrupting traditional credit and finance

Alternative: CreditPaymentsLendingFinance


An all-in-one platform for consumers and businesses to build alternative credit reports to demonstrate creditworthiness, and for businesses, schools, and financial institutions to harness our powerful financial systems for growth.

You're worth investing in. //

Manifest your wealth.//

Rise above limitations. //

Tomorrow holds prosperity. //

Believe in abundance. //

Financial Empowerment for Everyone

We're here to create a new credit future and provide financial access and literacy with tools to enhance your relationship with finances and build alternative credit.

ProV 24:V3 Credit Score

Get your new alternative Credit Report & Score for instant use.

AI Copilot: Gabby

Tailored insights, credit tips, and income-boosting strategies.

Consulytica Pay

An innovative consumer spending and credit building account.

Budgeting System

Achieve your financial goals with ease.

X Bill Negotiator Elite Package

Lower your bills to free up money for other important things.

Link by Consulytica

Connect accounts from 4,400 banks and 9,000 utility companies.

Non-traditional Earners. //

Returning Citizens. //

Entrepreneurs. //

Young Credit Builders. //

Immigrants. //

ConsumerSecond Chances

Who We Can Help

Are you uncertain about how your situation relates to all of this? Take a look at some of the cases below. This is not credit repair, but a new alternative credit future. 

Thin Credit File

We’ll incorporate alternative data sources and advanced analytics to generate accurate credit scores and provide access to financial products and services.

Bankruptcy PRO

No worries, you’re in good company. We’re never short on fresh starts. Your new credit is not affiliated with your traditional credit and is not affected by it.  We’ll also provide tailored financial guidance, rebuilding strategies.


Access educational resources, personalized financial advice, and tools to help you build credit responsibly, empowering you to navigate your financial journey with confidence and success.

Poor Credit

We’ll provide access to alternative credit that will assist you with qualifying for loans, financing and more. We’ll also help with rebuilding your relationship with credit & finances.


We have alternative financial products and services, such as Consulytica Pay and budgeting which allow you to manage your finances and build credit without the need for traditional banking accounts.

Small Business

We empower you to precisely evaluate the creditworthiness of potential borrowers and harness our APIs and scoring algorithms to build custom scoring and risk solutions, while enhancing your business credit profile.

See the Change

You have support every step of the way. Our approach is to simplify the process with intuitive visuals and helpful tools.

Advanced Dashboard

Track your credit and a wide range of data points, including user budget.

Integrated AI Support

Your AI Co-Pilot Gabby takes center stage to guide you on your journey.

Account Integrations

Securely add funds by debit and credit card or other electronic payment methods.

So, how does signup work?

Pick your plan, add a few pieces of information and verify your identity.

Simply link some accounts you’re paying our algorithms do the rest for you.

Poof! like magic your new credit score is here. Begin using it with our tools.


Trusted by Many

Trusted by these amazing companies

Flexible Pricing

Flexible and affordable plans tailored to your needs. Try our 30 day free trial for limited time.

Credit Starter 30-day Trial
per month
Create Account
  • Consulytica Pay
  • ProV 24:V3 Score
  • Funds Transfers
  • Gabby AI Copilot
  • *Pay Later Options
  • Budgeting System
Credit Plus +
per month
Create Account
  • All of Credit Starter
  • Credit Account Linking
  • Credit Report
  • Credit Rewards
  • AI Budgeting System
  • Upload and Discuss
  • Free Funds Transfers
Credit Elite Family Plan
per month includes 2 family members
Create Account
  • All of Credit Plus
  • Identity Monitoring
  • Lower Current Bills
  • Loan Offers
  • Consulytica Black
  • Peer IQ

Secure Payments: Consulytica uses 256-bit encryption and strict security measures to protect your information.

FAQHelp Center

Have a Question?

Our support team is always here to assist you. You can also find answers to commonly asked questions below.

Latest About Us

Consulytica is actively engaging with the community, forging partnerships, and integrating new technologies. Stay tuned for updates right here on our blog.


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