AI-Powered Credit Repair

Your credit score
doesn't have to
stay broken.

Our AI analyzed 50,000+ successful credit repairs and now automatically writes dispute letters, tracks responses, and deletes negative items. Average increase: 180 points in 90 days.

No credit card required
90-day guarantee
312 success stories this year
Your Score Today
480
90 days
Target Score
720+
Poor (300) Fair (580) Good (670) Excellent (800)
+180 average point increase
1.1M+
People in the US need this
180
Average point increase
90
Days to results
70%
Dispute success rate
The Process

How Fix My 480 Works

01
Automated

Upload Your Reports

AI scans all 3 credit reports and finds every violation, error, and opportunity in seconds. What a human expert would take hours to find, our system identifies instantly — across Equifax, Experian, and TransUnion.

02
AI-Generated

AI Writes Your Disputes

Generates legally-optimized dispute letters citing the right laws — FCRA, FDCPA, and more. Each letter is unique, never a template, built on the patterns of 50,000+ successful disputes.

03
Hands-Free

Watch Your Score Climb

We handle everything: mailing, tracking, follow-ups, and re-disputes. You receive updates as items get deleted. Most clients see their first results within 30–45 days.

Real People, Real Scores

Results That Speak

478
84 days
721
Sarah M. — Single Mom

"84 days to delete 7 collections and 12 late payments. Got approved for my apartment and a car loan I'd been turned down for twice."

★★★★★
502
91 days
748
Mike T. — Uber Driver

"91 days later I bought my first house. The AI found errors I didn't even know existed. Worth every penny — and then some."

★★★★★
461
78 days
695
James R. — Starting Over

"After bankruptcy I thought I was done. 78 days later: new job offer accepted, credit cards approved, life rebuilt from scratch."

★★★★★
Dispute Success Rates

What Gets Deleted

High Success Rate
Medical Collections95%
Duplicate Accounts90%
Cell Phone Collections80%
Utility Collections75%
Old Inquiries70%
Moderate Success
Credit Card Charge-offs60%
Late Payments (goodwill)45%
Student Loan Defaults40%
Repossessions35%
Bankruptcies (7yr+)100%
Plans

Simple, Honest Pricing

DIY Plan
$49
per month
  • AI Credit Analysis
  • Dispute Letter Generation
  • Progress Tracking Dashboard
  • Educational Content Library
  • You mail the letters
Start Free Trial
Done-For-You
$399
per month
  • Full concierge service
  • We mail everything
  • Goodwill Negotiation
  • Active Credit Building
  • Dedicated Account Manager
Start Free Trial
Questions

Common Questions

100% legal. We use your rights under the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and other consumer protection laws to challenge inaccurate or unverifiable items.
Most clients see first deletions within 30–45 days. Average time to reach target score: 90 days. Complex cases may take 4–6 months. We track every dispute so nothing falls through the cracks.
90-day money-back guarantee. If your score doesn't improve by at least 50 points, we issue a full refund. No questions, no hoops.
DIY Plan: Yes — we generate them, you print and mail. Assisted Plan: Optional, we handle it. Done-For-You: No, we handle everything including certified mail tracking.
Once legally deleted, items rarely return. If they do — called "re-aging" — it's typically illegal and we re-dispute at no charge. Our AI monitors your report permanently.

Your past doesn't define your future.

Join 312 people who already transformed their credit this year. Your 90-day journey to 700+ starts today.

No credit card required · 90-day guarantee · Cancel anytime

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