CreditRefresh
AI-powered credit repair, made simple

A smarter way to improve your credit

Generate and send dispute letters in just a few steps. No expensive services. No complicated software.

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All three bureausEquifaxExperianTransUnion

Everything you need to take control of your credit

CreditRefresh gives you the tools, clarity, and accuracy to move forward with confidence, without the usual complexity.

Tailored dispute letters

Built around your credit 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

Answers on demand

Ask anything about your report. Get plain-English answers and disputes ready for your approval

Smart prioritization

Not all negative items affect your credit the same way. CreditRefresh 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 fewer headaches.

  • Identify items that may be worth reviewing or disputing
  • Focus your time on higher-impact areas
  • Stay organized as you move through the process
  • Built to simplify complex credit reports
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From getting started to taking action in minutes

  1. 1

    Connect your reports

    Securely connect your credit reports, no typing, no guesswork.

  2. 2

    Generate disputes instantly

    AI helps create letters tailored to your situation.

  3. 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 CreditRefresh stacks up against traditional credit repair services and DIY software tools.

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CreditRefresh
Pay a Company
Use “Software”
GETTING STARTED
Simple guided setup
Consultations & onboarding required
Setup takes time to figure out
EASE OF USE
Easy to use
Not self-managed
Complex to learn
COST
Lower cost
Expensive over time
Lower cost, more effort
TIME & EFFORT
Minimal effort
Slower, less transparent
Manual & time-intensive
PERSONALIZATION
Fully personalized
Varies by provider
Template-based
CONTROL & VISIBILITY
Full control & visibility
Limited visibility
Full control, more work
SPEED TO ACTION
Act in minutes
Delays & back-and-forth
Depends on your pace

Built with compliance, security, and control in mind

  • You’re in control

    Nothing is sent without your approval. Cancel anytime, no questions asked.

  • FCRA compliant

    Every letter is written to follow the Fair Credit Reporting Act and cites the rights it stands on.

  • Bank-level encryption

    Encrypted in transit and at rest.

  • Transparent process

    See what’s happening at every step, no hidden actions.

Frequently asked questions

You connect your credit reports, and CreditRefresh 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. CreditRefresh 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 CreditRefresh differs from a credit repair company.

Yes. You always have the right to dispute credit report errors yourself under the Fair Credit Reporting Act. CreditRefresh 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, and 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.

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Take the next step toward improving your credit

Get started with a simpler, more transparent way to generate and manage your disputes.

  • Dispute letters in minutes

    Generate tailored, ready-to-send dispute letters in just a few clicks.

  • Stay in control, every step

    Review and approve everything before it goes out. A clear, guided process from start to finish.

  • Skip costly repair services

    Do it yourself for a fraction of what credit repair agencies charge.

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