Build an AI credit score improvement planner with the following numbered features: 1. A guided intake covering payment history, utilization, account age, recent inquiries, and any negative marks, phrased in plain language with no jargon. 2. A month-by-month action plan ranked by score impact per unit of effort, showing expected points over 3, 6, and 12 months. 3. A utilization simulator that shows how different payoff amounts change the utilization percentage and the projected score band. 4. Dispute letter drafting for genuinely inaccurate items, with plain templates and a reminder to mail them to bureaus, without ever promising removals. 5. Habit scaffolding with due-date reminders, autopay setup checklists, and a weekly two-minute check-in. 6. A secured card and credit builder loan comparison view for thin-file users, with neutral explanations and affiliate-ready slots. 7. A jargon translator that rewrites any credit term or report line the user pastes into plain English. 8. Progress tracking against self-reported milestones, with a monthly re-assessment that updates the plan. 9. A hard limits page explaining what no tool can do: remove accurate negative items, buy a real score bump, or access bureau files without authorization. 10. A checkpoint that walks users through pulling their free official reports and re-importing the updated picture every quarter.