A focused toolkit — no clutter, no surprises. Just clear numbers and clear next steps.
Instant score check
Get your estimated credit score with a quick assessment, displayed on an easy-to-read gauge from 300 to 1000.
Score breakdown
See how payment history, utilization, credit age, inquiries and account mix each shape your score.
Score simulator
Adjust credit utilization, late payments or new accounts and instantly see how your estimated score could change.
Score history
Track every calculation over time and watch your progress line move in the right direction.
Improvement plan
A personalized plan with quick wins and 3 practical phases to help lift your score step by step.
Privacy & control
Clear privacy policy, transparent permissions, and a straightforward account deletion process — you stay in control.
How it works
Three steps to your credit plan
1
Register & verify
Sign up with your phone number, then complete a short KYC assessment with basic questions — age, occupation, income and credit accounts.
2
Get your score
Credit Mend calculates your estimated score from 300 to 1000 and breaks down the five factors behind it.
3
Follow your plan
Receive a personalized plan with quick wins and phased goals, and track your score change in history.
FAQ
Frequently asked questions
What is Credit Mend?
Credit Mend is a credit education and estimation tool operated by HUAXIN LENDING, INC. It helps you estimate your credit score, understand the factors behind it and follow a plan to improve it. It is not a credit bureau and does not provide official credit reports.
Is Credit Mend free to use?
Yes. The score check, breakdown, simulator and history tools are free to use after registration.
Why do I need to complete an assessment?
The short KYC assessment (basic questions about age, occupation, income and credit accounts) is how Credit Mend produces your estimated score and personalized plan without accessing any official credit bureau data.
Does Credit Mend access my official credit report?
No. All results are estimates based on the information you provide. Credit Mend does not connect to credit bureaus and no hard inquiry is performed.
What permissions does the app request?
Camera permission is requested only when you attach a photo to user feedback, and declining it does not affect core features. See the Privacy Policy for full details.
How do I delete my account and data?
You can cancel your account in the app (Me → Account Cancellation) or by emailing support@creditmend.top. Read the full Account Deletion instructions — including the 15-day cooling-off period and what data is deleted or retained.
Contact
Questions or feedback?
Our support team is happy to help with account, privacy or data-deletion requests.
