AI-powered dispute letters
Get customized dispute letters, designed with FCRA and CROA in mind, based on your unique credit report — ready to review and send.
See how it works: AI-powered dispute letters
Know your credit. Brighter opportunities.
AI credit repair,
AI credit repair,
with you in control
Our AI reads your real Equifax, Experian, and TransUnion reports, flags likely errors, drafts disputes for your review, and shows you exactly why each item was flagged — so you can take control of your credit.
Get My Free Credit AnalysisNo credit cardWon’t affect your scoreNo obligation
All three bureaus
Dashboard preview
Your Credit Score
Updated Sep 28, 2026
634Fair
Illustrative example, not a real client. Results vary and are not guaranteed.
Reports Connected
- EEquifaxConnecting
- EExperianConnecting
- TTransUnionConnecting
Securely connecting…
AI Analysis Progress
Starting…- Read Reports
- Find Issues
- Prepare Disputes
- Ready for Review
Flagged Items
- Duplicate accountReported on multiple bureausHigh impact
- Incorrect balanceBalance doesn’t match across bureausMedium
- Wrong reporting dateAccount showing incorrect last activityLikely error
My Reports
All three bureaus · Updated today- EEquifax32 accounts · 1 issue0
- EExperian31 accounts · 2 issues0
- TTransUnion30 accounts · 1 issue0
AI Findings
Sorted by potential impact- Duplicate accountEquifax, Experian95%
- Incorrect balanceExperian vs TransUnion92%
- Obsolete collectionTransUnion78%
- Wrong reporting dateEquifax71%
Items that may affect your scoreIllustrative example
Dispute Letter
Designed with FCRA and CROA in mindTo: ExperianRe: Duplicate account · Account ending 4471
e-signed
Case Tracking
Duplicate account · Experian- Dispute sentSep 12, 2026
- Bureau receivedSep 16, 2026
- Investigation completeSep 28, 2026
- Bureau response receivedReview the result in your dashboard
AI-Powered AnalysisReads and compares all 3 bureau reports
Designed with FCRA and CROA in mindYou review every letter before it is sent
Clear ReasoningExplains why each item was flagged
Always in ControlYou review and approve every step
Everything you need to take
control of your credit
AI Credit Care gives you the tools, clarity, and accuracy to move forward with confidence.
Real-time case tracking
Track letters, deadlines, and responses in one place. Know exactly where everything stands.
See how it works: real-time case trackingAI Credit AssistantOnline
Example conversation
Is this charge-off worth disputing?
This item shows inconsistent details across bureaus. You can review it and decide whether to dispute it.
How do I dispute it?
I’ve drafted a dispute letter for you to review. You can review and send it directly from your dashboard.Review letter
Focus on What Matters
Smart prioritization
Not all negative items affect your credit the same way. Our AI helps you focus on what’s worth addressing first by analyzing your report and highlighting items that may have the greatest impact.
- 01Identify items worth reviewing or disputing
- 02Focus on higher-impact areas
- 03Stay organized throughout the process
- 04Built to simplify complex credit reports
AI Findings 5
-
Why it was flagged: The balance reported for this charge-off differs between Equifax and Experian.
ConfidenceDispute this Only dispute information you believe is inaccurate.94% -
Why it was flagged: The late-payment date doesn’t match across Equifax and TransUnion.
ConfidenceDispute this Only dispute information you believe is inaccurate.76% -
Why it was flagged: This collection may be past the 7-year reporting limit.
ConfidenceDispute this Only dispute information you believe is inaccurate.72% -
Why it was flagged: The same account appears more than once with different details.
ConfidenceDispute this Only dispute information you believe is inaccurate.88% -
Why it was flagged: Your name is spelled differently across the three bureaus.
ConfidenceDispute this Only dispute information you believe is inaccurate.81%
Please only dispute information you believe is inaccurate. AI findings are estimates and can be wrong. See our Disclaimer.
How It Works
See the full process
From your credit report to tracked disputes, step by step.
Step 1 of 5
Connect your reports
Securely connect your Equifax, Experian, and TransUnion reports.
Step 2 of 5
AI analyzes with reasoning
Our model cross-checks every item and shows why it’s flagged.
Step 3 of 5
Review and approve
You see clear explanations and approve disputes before anything is sent.
Step 4 of 5
We dispute and track
Dispute letters you approve are sent, and you can track progress.
Step 5 of 5
Track responses
Monitor bureau responses and follow each case in real time.
Illustrative example, not a real client. Results vary and are not guaranteed.
Our AI Technology
The model behind
The model behind
our AI credit repair.
Our model reads your real reports, cross-checks every tradeline, finds inconsistencies, and shows its reasoning for each finding — so you always know why something was flagged.
- Analyzes all 3 bureaus
- Flags potential errors
- Scores each finding
- Shows clear reasoning
Incorrect balanceHigh confidence
The reported balance on this account doesn’t match across the bureaus. Experian shows $1,280 while TransUnion shows $0. This may be a reporting error.
- EEquifax$1,280Consistent
- EExperian$1,280Consistent
- TTransUnion$0Flagged
Model confidence
92%
Why this matters?Correcting an inaccurate item may affect your credit score.
Duplicate accountHigh confidence
The same account appears twice on Equifax and Experian under two creditors with different balances.
- EEquifax2 entriesFlagged
- EExperian2 entriesFlagged
- TTransUnion1 entryConsistent
Model confidence
88%
Why this matters?Correcting an inaccurate item may affect your credit score.
Obsolete collectionMedium confidence
The first missed payment on this collection was more than 7 years ago, so it may be past the reporting limit.
- EEquifaxNot reportedConsistent
- EExperianNot reportedConsistent
- TTransUnionSince 2018Flagged
Model confidence
78%
Why this matters?Correcting an inaccurate item may affect your credit score.
Compare Your Options
Compare your options
See how AI Credit Care compares with a full-service firm and DIY software.
Compare with
AI Credit Care
Getting startedGuided online setup
How you manage disputesGuided
Who drafts the lettersAI drafts, you approve
Who sends disputesSent after you approve
TrackingDashboard case tracking
Full-Service Firm
Getting startedConsultation with the company
How you manage disputesConsultation-based
Who drafts the lettersThe company
Who sends disputesThe company
TrackingUpdates from the company
DIY Software
Getting startedSet up by you
How you manage disputesSelf-service
Who drafts the lettersYou
Who sends disputesYou
TrackingYou track it yourself
Real Results
View All Case Studies
Real people. Real progress.
Actual client stories using our AI-powered dispute process.
Score changes are as reported by each customer. Your own result may be smaller, or your score may not change at all.
Pricing
What's included
Choose the plan that fits you.
Start with a free analysis. No credit card required.
Analysis
See what's on your reports
$0one-time
- All 3 bureau reports scanned
- Likely errors ranked by confidence
- No credit card, no obligation
Repair
We dispute, you approve and track
$89per month
- Disputes for the items you choose, on all 3 bureaus
- Letters drafted for your approval
- Live dispute tracking and score updates
- Cancel the month you're done
Repair + Monitor
For identity theft and complex files
$129per month
- Everything in Repair
- Daily monitoring on all 3 bureaus
- Fraud alerts and freeze assistance
- Dedicated case specialist
Cancel any time. See our Refund & Cancellation Policy.
Trusted and Secure
Your data is protected.
We use encryption and security practices designed to protect your information.
- Encrypted connectionHTTPS on every page
- FCRA and CROADesigned with FCRA and CROA in mind
- You approve every stepNothing is sent without your review
- Cancel anytimeNo long-term contract
Take the First Step
Get your free credit analysis.
See what our AI can find in your credit report — no credit card, and it won’t affect your score.
Get My Free AnalysisNo credit cardWon’t affect your scoreNo obligation
FAQ
Frequently asked questions
Quick answers about how AI Credit Care works. More guides are on our blog.
Still have questions?Our team usually replies within 24 hours.
Contact us
Connect your Equifax, Experian and TransUnion reports. Our AI reviews every account, flags likely errors and explains why. You approve each dispute, we send it, and you track every response in your dashboard.
No. Connecting your reports uses a soft check, which never affects your score.
No. Your free credit analysis doesn’t require a credit card.
Bureaus usually respond to disputes within 30 to 45 days, and you can follow every step in Case Tracking.
Contact Us
Questions? We’re here to help.
Have a question, need support, or just want to learn more? Our team is ready to help. You can also read about AI Credit Care or visit our contact page.