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Over 2 Million Customers Can Now:

Lower their monthly payments

Reduce interest rates

Get more cash out of their home


How does Creditify.io work?

Creditify contains algorithms that can target the debt of your choice or calculate the fastest route to zero debt overall through significant savings in interest payments.

It provides a comprehensive picture of your finances by putting all your balances and transactions in one place. We are connected to most financial institutions with internet banking capabilities, saving you hours of research and data entry.

Using this information, Creditify's Money Merge Live calculates how to pay off debt with some of the fastest payoff results imaginable — and build a substantial savings nest egg.


Increase equity. Build assets. Create wealth.

Creditify goes beyond helping individuals and families achieve success paying down debt — it also makes it possible to accumulate wealth targeted to each client's personal financial goals. Simply enter your financial goals, whether it's to pay off a vacation home, fund early retirement or pursue your wildest dream.

  • Pay off your vacation home

  • Fund your early retirement

  • Pursue your wildest dreams

  • Invest in real estate property


Reviews from our happy customers

See all our A+ reviews on BBB.org

"In the first 2 years, as of August 2013, I eliminated $17,871 of my $35,000 in credit card and LOC debt. I had $1072 of disposable income left over at the end of every month now, compared to the $200 left over just 2 years prior. I should be debt free within the next 4 years, far ahead of the bank’s schedule of 27 years."

Chris S. - Reading, PA

"I started using Creditify on January 1, 2014, at that time, we had three mortgages totaling $117,025.97. To date, June 6, 2016, I was able to pay off two of the mortgages and reduce our debt to $28,096.54 and we saved about $46,242.63 in interest. It was hard to imagine being debt free, but it became real in 2017!"

George and Melissa L. - Atlanta, GA 

"We had over $190,000 in debt after mortgaging our home to pay for credit card debt and school loans. According to Creditify, it was going to take another 14.7 yrs. But Creditify shocked us with a payoff in 4.6! My husband and I are having so much fun watching the drip, drip, drip of our debts getting paid off."

Susan J. - San Antonio, TX

"First, we dusted off the program that we bought yrs ago...we had over $190,000 in debt after mortgaging our home to pay for credit card debt and school loans. According to program, it was going to take another 14.7 yrs but then it shocked us with a payoff in 4.6! It's taught us budgeting and incorporating the many facets of the system."

Josiah F. - Washington, DC 

Looking to invest in real estate?

What would you do if you could build wealth and eliminate debt simultaneously? Would you take a family vacation? Start a college fund?

Or would you take your smart money and continue investing into smart decisions that pay you every single day.

Learn how you can use Creditify's debt and credit recovery system to fund your vision to becoming a real estate investor.


©2010 - 2022 Market America, Inc. or its affiliates. All other designated trademarks, copyrights, and brands are the property of their respective owners. Creditify.io is an official partner and authorized dealer for Debt Shredder ® and Market America, Inc. and its affiliates.