CreditAI
FCRA-Compliant AI Analysis

Repair Your Credit Intelligently

Upload your credit report and let our AI identify every disputable error under the Fair Credit Reporting Act — then generate unique, legally precise dispute letters for each bureau in seconds.

No account required · 256-bit encrypted · FCRA compliant

Works with reports fromExperianTransUnionEquifax

Everything you need to dispute effectively

A complete, automated pipeline from raw PDF to ready-to-mail dispute letters.

Smart PDF Parsing

Upload any credit report PDF. Our engine extracts and structures all account data automatically.

FCRA AI Analysis

GPT-4 analyzes every line for errors, inconsistencies, and legally disputable items under FCRA guidelines.

Unique Dispute Letters

Generates non-templated, bureau-specific letters for Experian, TransUnion, and Equifax — ready to send.

Secure & Private

Your data is encrypted, isolated per account, and never shared. Full compliance with privacy standards.

Full History

Every analysis and letter is stored securely in your account for ongoing reference and tracking.

Download Ready

Export your dispute letters as formatted documents ready to print, sign, and mail via Certified Mail.

Three steps to cleaner credit

01

Upload Your Credit Report

Drag and drop your PDF credit report from any bureau. We accept reports from Credit Karma, AnnualCreditReport.com, and all major providers.

02

AI Analyzes Under FCRA

Our AI engine reads every account, identifies negative items, cross-references bureau inconsistencies, and cites the specific FCRA sections that apply.

03

Download & Send Letters

Receive unique, non-templated dispute letters for each bureau — ready to print, sign, and mail via Certified Mail to maximize your dispute success rate.

Start repairing your credit today

Click below to enter the demo and upload your first credit report — no account needed.