Low credit score?
Try DIY AI credit repair.
- Scans all 3 credit bureaus for errors
- Turns bureau rules against them
- Writes your custom dispute letters
- One-click mailing, certified
$99–$149/mo at credit repair companies · $1.99 7-day trial here
No software fee. Your 3-bureau reports come from a separate credit monitoring membership: $1.99 7-day trial, then $29.95/mo. Cancel anytime.
- !Collection · Midland Credit Mgmt
Balance differs across bureaus$1,240 - !Charge-off · Synchrony Bank
Charged off, still reports a past-due amount too$2,610 - !30-day late · Capital One
Reported late while account shows current, balance $0Nov 2024
"Denied for an apartment again."
"Why is a paid account still showing a balance?"
"I settled it. Why does it still say past due?"
"That collection is from 2017. Why is it still here?"
"The credit repair company took $600 and nothing changed."
"I was in forbearance. Why am I marked late?"
"Three bureaus, three different scores, three different stories."
Walkthrough
See a report get scanned and a letter go out
Eight minutes, start to mailbox: reports imported, items flagged, letters written, envelopes tracked. Watch it before you decide.
Boost your score
How it works
Four steps. The software does the hard three.
Owing the debt doesn't mean it's reported right. Finding what's wrong by hand takes hours, with all three reports side by side. The software checks every account the moment your reports come in, then writes the letters. Full walkthrough →
Create your account
Takes a minute. Name, email, password. No software fee.
Import your reports
Set up your 3-bureau reports from inside the app and all three land in your dashboard automatically.
Reports come from a separate credit monitoring membership. $1.99 7-day trial, then $29.95/mo.
Review what got flagged
The scan runs 50+ checks on every account across all three reports: dates, balances, past-due amounts, status against payment history, and bureaus that disagree. Each flag says what's wrong.
Send with one click
Each flagged item becomes a formal letter to the right bureau or creditor. Send it with one click through a print-and-mail service, with tracking, or download and mail it yourself.
Print-to-mail
No printer. No post office. Click, and it's in the mail.
Most people who write a dispute letter never send it. With one click, a print-and-mail service prints, addresses and mails each letter you approve to the right bureau or creditor, with tracking, so you can see exactly when the 30-day clock started.
- Addressed automaticallyEach letter goes to the correct dispute address for TransUnion, Experian, Equifax or the creditor. No looking anything up.
- ID and proof attachedYour uploaded ID and address proof are included with every letter, the way the bureaus require.
- Tracked to the doorDelivery confirmation for each envelope, so you know the day the bureau's 30 days began. Or download and mail yourself, any time.
What you can dispute
Anything inaccurate, incomplete or unverifiable
Even if you owed it, it still has to be reported right. Under the Fair Credit Reporting Act you can challenge any item that isn't. Tap one to see what to check.
Why this works
The law is already on your side
The law doesn't say a real debt goes away. It says your report has to be accurate and complete, and anything inaccurate, incomplete or unverifiable has to be corrected or deleted. You can hold them to that yourself, without a company doing it for you. The software makes sure you use that right properly. Your FCRA rights, explained →
Gives you the right to dispute any item and requires the bureau to investigate it.
About how long a bureau has to investigate once your letter arrives. What it can't verify must be corrected or deleted.
The longest most negative items may stay on your report. Older ones can be challenged on that basis alone.
Where your letters go
| TransUnion | Consumer Dispute Center P.O. Box 2000, Chester, PA 19016 |
| Experian | Dispute Department P.O. Box 4500, Allen, TX 75013 |
| Equifax | Information Services LLC P.O. Box 740256, Atlanta, GA 30374 |
Each letter is addressed automatically, ready to send with one click, with tracking.
Pricing
One plan. Every feature included.
Your credit file is what a landlord reads before handing over keys, and what a dealer pulls up before quoting your rate.
Full Access
Like having a credit expert in your corner, for a fraction of the price.
You only pay for your 3-bureau credit reports
A separate credit monitoring membership set up from inside the app, $1.99 7-day trial, then $29.95/mo, cancel anytime.
Every Credit Repair Automate feature
- All 3 credit reports, pulled in for you
- AI reads every account on all 3 reports
- Catches bureaus that disagree with each other
- Smart dispute engine plans every move
- Speaks e-OSCAR, the bureaus’ dispute languageNew
- Sign once, it’s on every letterNew
- Every letter custom-written, never a template
- 611, 623 & MOV dispute letters
- Goodwill & pay-for-delete letters
- Disputes names & addresses not yours
- Every error argued, strongest first
- AI-trained escalation ladder, 6 rounds
- Demands deletion on missed deadlines
- Reads your next report for results
- Switches tactics when a bureau says no
- Keeps learning from what gets deleted
- Certified mail with tracking (optional)
- Unlimited disputes, one dashboard
- Very low bureau rejection rate
- AI credit assistant, guides your next moveSoon
Disputes every type of negative item
Create your account in about 2 minutes and start your journey to better credit.
Credit Repair Automate: your credit repair expert, in your pocket.
Is this a credit repair company?
No. Credit Repair Automate is software you operate yourself. It never charges for results and never promises a score. You review every letter before it goes out.
Why do I need a report subscription?
The software needs your up-to-date reports from all three bureaus to find errors and to see what changed after each round. A SmartCredit® credit monitoring membership provides them, and you set it up from inside the app.
Will this raise my credit score?
If inaccurate items are corrected or deleted, scores usually improve, but nobody can promise a number. Accurate negative items can't be removed by disputing, and no honest tool will pretend otherwise.
How long does it take?
By law, the bureaus get 30 days to investigate each dispute (45 in some cases), so each round takes about a month. How many rounds you need depends on your report.
Do I have to mail the letters myself?
Your choice. Download and mail them yourself, or send them with one click through a print-and-mail service, with tracking, for a small per-letter fee.
Can I cancel?
Yes, at any time. Each one cancels on its own: cancel SmartCredit® from your SmartCredit® account, and your Credit Repair Automate account stays open; it just can't import new reports until you reconnect.
Not ready yet?
Get 6 dispute letter templates, one for each common problem
Written to the FCRA, one for each common problem. Plus a short guide on reading your report.