Repair your own credit using the power of artificial intelligence
It’s not just cool technology. Our patented Smart Dispute System finds and helps you remove those accounts that are hurting your credit
It’s the most effective credit repair system on the planet
Repair your own credit using the power of artificial intelligence
It’s not just cool technology. Our patented Smart Dispute System finds and helps you remove those accounts that are hurting your credit
It’s the most effective credit repair system on the planet
How smartdispute.ai Works
Smart Report
We import, scan, and analyze your 3 bureau credit report. Our powerful AI knows which accounts to dispute and does all the work for you.


Smart Dispute
Our proprietary technology identifies reporting errors, violations, and inconsistencies on your credit reports and creates custom dispute letters you send to the credit bureaus.
Smart Track

How smartdispute.ai Works
How smartdispute.ai Works
Smart Report

Smart Dispute

Smart Track

Repair all 3 bureaus



Doing Credit Repair Yourself
Matters
Doing Credit Repair Yourself Matters
You can save a TON of money
1
Credit repair companies charge $90-$120 per month only to send out generic disputes the 3 credit bureaus can legally reject. When you have the best technology working for you, doing it yourself is the only thing that makes sense. smartdispute.ai helps you do it faster, cheaper, and more efficiently.
Improve your credit score quickly
2
smartdispute.ai starts by focusing on negative accounts most easily removed or repaired. Plus, all disputes are based on actual data from your 3 bureau reports and not legalistic jargon that rarely works. This “fact-based dispute method” is the core of the patented Smart Dispute System. It is the fastest and most relevant way to repair your credit.
You’re in control
3
Monthly Plan
$39
cancel anytime
- 3 bureau credit report smart import
- Credit scores from all 3 credit bureaus
- Access to in-depth credit repair articles and videos
- Support through online chat, text messages, email, and Facebook Messenger
- Unlimited disputes, including: late payments, foreclosures, liens, charge-offs, judgments, bankruptcies, collections , repossessions, and hard inquires
- Monthly billing - cancel at any time
FAQs
The length of time it takes to repair credit can vary depending on the severity of the credit damage and the specific steps taken to address the issues. In general, the credit repair process can take anywhere from several months to several years.
Overall, it’s important to approach credit repair with patience and persistence, as it can take time to see significant improvements in credit scores and creditworthiness.
If your credit history has been positive but your credit report shows negative items, repairing those items can have a positive impact on your credit within 30 to 90 days. However, if you have limited credit history and negative items, you will need to repair the items that are negatively affecting your score and then obtain additional credit over time to increase your score. It is common for credit scores to fluctuate from month to month, especially during the credit repair process. While some clients may experience a significant increase in their credit scores at the start of the process, others may see a decrease in scores during the dispute process. Consistency is key, and we recommend being patient for at least 6 months to see significant improvement in your credit.
Absolutely. Most credit repair agencies and do-it-yourselfers have come to believe that “debt validation” should be an important dispute priority. smartdispute.ai does not rely much on this outdated strategy. The artificial intelligence written into our Smart Dispute System takes a much more reliable path of disputing actual data from your 3 bureau credit report instead of more legalistic dispute strategies such as debt validation.
If you’ve already disputed an account online without success, join the crowd. A majority of credit report disputes are completed online with few positive results. If you’ve tried to repair your credit online with the three credit bureaus, you’re looking for a credit repair process that’s more effective. smartdispute.ai was built and is managed by people who have experienced your frustration with the credit repair process. Whether you’re just starting or have been attempting to repair your credit for a long time, we invite you to sign up now.
In general terms, no. Deleting collections or charge-off accounts is almost always a positive move for your credit score. Deleting an account you’ve recently closed, but that has been on your credit report for several years can negatively impact your score. It’s important to keep in mind that removing negative items from your credit report will almost always improve your score. When it doesn’t, it will allow you to work on improving your credit much more quickly.
The credit bureaus take this claim seriously and the law requires them to act quickly. Unfortunately, false claims of identity theft are common in the hopes of removing legitimate accounts from credit reports. Please include a police report with your identity theft letter so the credit bureaus take immediate action.
We’re with You every
step of the way
We’re with You every step of the way
CHAT
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(555) 650-1212
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support@smartdispute.ai
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