No jargon, no guesswork. See the full walkthrough →
A soft check — it never affects your score.
Ranked by likely score impact.
Approve each letter, watch your score climb.
Not a rules checklist. See how it actually works →
"I'd been refused two loans before this. The model found three errors on my report in minutes, drafted the disputes, and my score went up 71 points in six weeks."
A few situations we see often.
We find the specific errors that likely caused the denial and dispute those first.
Our model flags accounts that don't match your history and drafts the right dispute type.
Late payments and collections age off differently than most people expect — we show you the real timeline.
No. Connecting your reports is a soft inquiry — it's never reported and never affects your score.
Bureaus generally respond to disputes within 30 days. Most clients see their first changes within 30–90 days, depending on how many items are in dispute.
No — and any company that says otherwise isn't being straight with you. We dispute inaccurate or unverifiable items and let the bureau's response speak for itself.
Yes. Every dispute we draft follows the Fair Credit Reporting Act, and our process is built around your rights under the FCRA, CROA, and FDCPA.
You pay a flat monthly fee only while you're actively repairing. See the full pricing breakdown →
Atlanta, GA
"A collection that wasn't even mine was blocking my auto loan. AI Credit Care found it in the first scan."
Chicago, IL
"A fraudulent card from a data breach was gone within six weeks of connecting my report."
Los Angeles, CA
"My loan balance was reported twice under two servicers. Fixing that alone moved my score 60 points."
Tell us where to reach you — we'll follow up within one business day.