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  • © Copyright 2020 - Higgins Acad LLC. AI Credit Help is a trademark of Higgins Acad LLC. References to third‑party trademarks, service marks, or brand names — including Experian, Equifax, and TransUnion — are for identification and informational purposes only. Higgins Acad LLC is not affiliated with, endorsed by, or sponsored by any credit bureau or by annualcreditreport.com. All third‑party marks are the property of their respective owners. Portions of this software are protected by one or more U.S. Pat. 11,810,188 and U.S. Pat. 12,033,211. Other patents pending.