AI credit repair software scans your credit reports, flags items that may be inaccurate, outdated or unverifiable, and drafts dispute letters based on your rights under the Fair Credit Reporting Act (FCRA). With DisputeAI™ you review every item and send the disputes yourself, which is why it costs far less than hiring a credit repair company.

The DIY plan is $39.99 per month and includes 3-bureau credit monitoring, with no long-term contract. The Full Service plan, where disputes are processed for you, is a one-time $97 enrollment fee plus $49.99 per month. The White-Label program for businesses is $69.99 per month, and the first 30 days are free.

Credit bureaus generally must investigate a dispute within 30 days, or 45 days in some cases. Some users see updates within 30 to 45 days, while a full credit rebuild often takes 6 to 12 months or longer depending on what is on the report.

For most people who are willing to spend a few minutes on each round of disputes, yes. You get AI-powered analysis and letter writing for a fraction of what credit repair companies charge, you keep full control of your disputes, and there is no long-term contract.

AI cannot change your credit on its own. It helps you find questionable items faster and send organized, well-documented disputes. The credit bureaus and your creditors decide the outcome after they investigate. Accurate negative information can legally stay on your report, usually for up to 7 years.

No. DisputeAI™ does not delete items and does not guarantee a higher score or approval for a home, auto or business loan. Lenders look at income, employment and other factors. We give you the tools to dispute items you believe are inaccurate.

You connect your 3-bureau credit report, review the items DisputeAI™ flags, and choose which ones to dispute. The software drafts the letters, you send them to Equifax, Experian, TransUnion or the creditor, and you track each response in your dashboard. DisputeAI™ also recommends credit-building products that fit your profile.

The three major U.S. credit bureaus are Equifax, Experian and TransUnion. Each one keeps its own credit report on you, so an error can appear on one report and not the others. That is why DisputeAI™ reviews all three.

No. Filing a dispute with a credit bureau does not lower your credit score. If an item is corrected or removed after the investigation, your score may change based on the updated report.

Yes. The Fair Credit Reporting Act (FCRA) gives every consumer the right to dispute inaccurate or incomplete information directly with the credit bureaus and the companies that reported it, at no charge. DisputeAI™ gives you the tools to use that right yourself.