A smarter way to improve your credit
Generate and send dispute letters in just a few steps. No expensive services. No complicated software.
5,000+
users helped
10+
hours saved per user
Minutes
to generate and send disputes
As Featured in
Everything you need to take control of your credit
Credit Refresh gives you the tools, clarity, and structure to move forward with confidence — without the usual complexity.
Smart prioritization
Focus on what matters most first. We highlight the items most likely to impact your score
Smart prioritization
Not all negative items affect your credit the same way. Credit Refresh helps you focus on what’s worth addressing first by organizing your report and highlighting areas that may have the greatest impact.
Instead of guessing where to start, you get a clearer path forward — so you can take action with more confidence and less time spent figuring things out.
Identify items that may be worth reviewing or disputing- Focus your time on higher-impact areas
- Avoid unnecessary or low-priority actions
- Stay organized as you move through the process
- Built to simplify complex credit reports
Tailored dispute letters
Built around your actual report. Each letter is customized to your specific situation
Real-time tracking
Stay on top of every step. Track letters, deadlines, and responses in one place
Score impact visibility
Understand what changes matter. See how each action could affect your credit over time
From getting started to taking action in minutes
- 1
Enter your information
Tell us what’s on your report — no guesswork.
- 2
Generate disputes instantly
AI helps create letters tailored to your situation.
- 3
Send when you’re ready
Download or send your disputes and move the process forward.
A simpler approach to fixing your credit
Compare how Credit Refresh AI stacks up against traditional credit repair services and DIY software tools.
Simple guided setup
Consultations & onboarding requiredSetup takes time to figure outEasy to useNot self-managed
Complex to learnLower costExpensive over timeLower cost, more effortMinimal effortSlower, less transparentManual & time-intensiveFully personalizedVaries by providerTemplate-basedFull control & visibilityLimited visibilityFull control, more workAct in minutesDelays & back-and-forthDepends on your paceBuilt with compliance, security, and control in mind
FCRA compliant
Every letter follows federal credit reporting law. Attorney-reviewed before filling.
SOC 2–compliant security
Your data is encrypted and never shared
You’re in control
Nothing is sent without your approval. Cancel anytime, no questions asked
Transparent process
See what’s happening at every step — no hidden actions
Frequently asked questions
You tell us what’s on your credit report, and Credit Refresh AI helps generate dispute letters tailored to your situation. You review everything and decide what to send. The whole process takes minutes. See the full step-by-step walkthrough.
No. Credit Refresh is software you control, not a credit repair service. Traditional companies charge ongoing fees to file disputes for you. Here, you stay in charge of every letter. Read how Credit Refresh differs from a credit repair company.
Yes. You always have the right to dispute credit report errors yourself under the Fair Credit Reporting Act. Credit Refresh simply makes the process faster and easier to manage. Learn more about your FCRA dispute rights.
Timelines vary. Credit bureaus generally have 30 days to investigate a dispute. Outcomes depend on your individual report, and no tool can promise a specific result. See typical bureau response timelines.
Yes. Your data is encrypted, never sold, and never shared. Nothing is sent on your behalf without your approval. Read about our security and encryption practices.
You can download or send your dispute letter, then track responses and deadlines in one place as the bureaus review it. See what happens after you submit a dispute.
Take the next step toward improving your credit
Get started with a simpler, more transparent way to generate and manage your disputes.
Generate tailored dispute letters in minutes
Stay in control of every step
Avoid expensive credit repair services
Clear, guided process from start to finish