Generate FCRA-compliant dispute letters, get a personalized 90-day score plan, and track every letter you send — all in one place.
No credit card required. Self-help tool — not a credit repair organization.
Four tools that replace a $1,500/year credit repair contract.
Pick the issue, fill 3 fields, get a polished letter ready to mail to Equifax, Experian, or TransUnion.
AI builds a personalized week-by-week action plan based on your current score and situation.
Log what you sent, to whom, when. Never lose track of a dispute again.
Plain-English explainers on utilization, hard inquiries, charge-offs, and what actually moves your score.
No phone calls. No contracts. No monthly $129.
Drop in a PDF from Equifax, Experian, or TransUnion. We never ask for your SSN or login.
Our model flags inaccuracies, duplicates, and aged collections — and explains why each one matters.
One click turns each finding into an FCRA-compliant letter. Print at home or have us mail it certified.
Log scores monthly. We chart the trend and alert you on swings so you know what's working.
A few of our early users — full names withheld for privacy.
“Removed two collections that weren't even mine. Got approved for my first car loan a month later.”
“I'd been quoted $1,400 by a credit repair company. CredFix did more in 10 weeks for $19.”
“The 90-day plan was the part I didn't know I needed. Followed it weekly and the score moved.”
“The AI caught a charge-off that should've fallen off two years ago. Bureau removed it in 30 days.”
“Honestly didn't think it would work. Saw a 60-point lift after my first two letters mailed.”
“Finally a tool that explains what's actually on my report. The plain-English explainers are gold.”
Traditional credit repair charges monthly to mail letters you can send yourself.
Pricing as publicly listed on competitor sites, May 2026. Not affiliated with the companies named.
Use Pro for 60 days. If you don't successfully dispute at least one item, email support@credfixai.com for a full refund — no questions asked.
Start free. Upgrade when you need more letters.
7-day free trial, then $190/yr. Cancel anytime.
No charge today. We'll email you before your trial ends.
Important: CredFix AI is a self-help software tool.
We do not contact credit bureaus, creditors, or collection agencies on your behalf, and we are not a credit repair organization, law firm, or financial advisor. You generate, review, sign, and mail every letter yourself. Results vary — no specific score change is guaranteed. The Credit Repair Organizations Act (CROA) does not apply to consumers repairing their own credit. You have the right under the FCRA to dispute inaccurate items on your credit reports at no cost directly with each bureau.