Low credit score? DIY credit repair AI.
Free software that scans all 3 bureaus for mistakes hurting your score, writes the dispute letters, and mails them for you.
Software is free. SmartCredit® reports $29.95/mo after a 7-day trial. Cancel anytime. Results depend on what's inaccurate in your file.
- !Collection · Midland Credit Mgmt
Date of first delinquency differs across bureaus$1,240 - !Hard inquiry · Auto finance
No matching account opened. Permissible purpose unclearMar 2025 - !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 never opened that account."
"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.
Start for $1.99
How it works
Four steps. The software does the hard three.
Most people never dispute anything because they don't know what's wrong or what to write. This removes both problems. Full walkthrough →
Create your account
Takes a minute. Name, email, password. Nothing is charged by us.
Import your reports
Connect SmartCredit® and all three bureau reports land in your dashboard automatically.
SmartCredit is the report provider. $1.99 for 7 days, then $29.95/mo.
Review what got flagged
The scan reads every account, inquiry and public record and marks the ones with inconsistencies, missing data or unverifiable details.
We mail the letters
Each flagged item becomes a formal letter to the right bureau or creditor. One click and it's printed, addressed, mailed and tracked. Or download and mail 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. The software prints, addresses, stuffs and mails every approved letter 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
Under the Fair Credit Reporting Act you can challenge any item that isn't reported correctly. These are the ones the scan looks at. Tap one to learn how.
Why this works
The law is already on your side
The Fair Credit Reporting Act gives you the right to dispute your file directly, for free, without a company doing it for you. The software just 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.
How long a bureau has to verify the item or delete it once your letter arrives.
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 |
The software addresses each letter automatically and mails it for you with tracking.
Pricing
The software is free. You pay for your credit reports, not for us.
To find errors we need your current reports from all three bureaus every month. SmartCredit® provides them. That subscription is the only cost, and you can cancel it any time.
- Unlimited disputes to all three bureaus and to creditors
- New 3-bureau reports and scores every month, so you can see what changed
- Credit monitoring, alerts and $1M identity theft insurance (through SmartCredit)
- Print-to-mail available per letter, optional
Everything you need to start disputing
Already have SmartCredit? Connect your existing account. There is nothing to pay.
Is this a credit repair company?
No. Credit Repair Automate is software you operate yourself. We never contact the bureaus for you, never charge you for results, and never promise a score. You review every letter before it goes out.
Why do I need SmartCredit?
The software needs your up-to-date reports from all three bureaus to find errors and to see what changed after each round. SmartCredit provides them. You can use a new or an existing SmartCredit account.
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 we won't pretend otherwise.
How long does it take?
Bureaus have 30 days to respond to each letter. Most people run two or three rounds, so plan on 60 to 90 days to work through a report.
Do I have to mail the letters myself?
Your choice. Download and mail them yourself, or use print-to-mail and we print, address and send them with tracking for a small per-letter fee.
Can I cancel?
Yes, at any time, from your SmartCredit account. Your Credit Repair Automate account stays open; it just can't import new reports until you reconnect.
Not ready yet?
Get the 6 dispute letter templates people actually win with
Free, written to the FCRA, one for each common problem. Plus a short guide on reading your report.