About CreditRefresh
A smarter way to fix your credit report.
CreditRefresh is an AI-powered credit dispute tool built by Credit Refresh LLC. CreditRefresh reads your credit reports, flags the items that look inaccurate, incomplete, unverifiable, or too old to be legally reported, and drafts a ready-to-send dispute letter for each one. Access is included with Refresh Monitoring, a credit monitoring subscription that costs $49.99 a month, with no setup fee and no contract.
CreditRefresh at a glance
- What CreditRefresh is
- Software that reads your credit reports and drafts FCRA dispute letters for the items that look wrong.
- Who builds CreditRefresh
- The team at Credit Refresh LLC, a software company. Not a law firm, and not a traditional credit repair agency.
- What CreditRefresh costs
- Included with Refresh Monitoring at $49.99 a month. No setup fee, no per-dispute charge.
- How the letters get mailed
- Print and mail them yourself, or hand a round to RushMail, our mailing partner, for a small per-letter fee.
- Who approves each dispute
- You do. Nothing leaves your account until you have reviewed and signed it.
- How long you are locked in
- You are not. There is no contract and you can cancel anytime.
- Where the right comes from
- The Fair Credit Reporting Act, which has given every consumer the right to dispute questionable information since 1970.
What is CreditRefresh?
CreditRefresh is software that does the tedious part of a credit dispute for you. Traditional credit repair companies charge hundreds of dollars a month to read your reports and mail letters on your behalf, and most of them will not show you what they sent. CreditRefresh does the same work with AI, shows you every item and every letter, and leaves the decision to send with you.
What CreditRefresh does
- Pulls your reports from all three bureaus through our monitoring partner.
- Scans every account for items that look inaccurate, incomplete, unverifiable, or past the legal reporting window.
- Drafts a tailored dispute letter for each item you decide to challenge.
- Keeps a record of every letter and the date it went out, so you always know where a round stands.
Why we built CreditRefresh
Over 45 million Americans have an error on their credit report, according to a Federal Trade Commission study. An error is not a filing problem. It raises the rate on a car loan, costs someone an apartment, and sinks mortgage applications months before anyone thinks to look at the report.
The right to challenge that information has been federal law since 1970, under the Fair Credit Reporting Act. The right was never the hard part. The hard part is knowing which items to dispute, what to write, and where to send it, and that gap is exactly what the credit repair industry has charged people thousands of dollars to fill.
We kept watching people who were already stressed about money hand over that kind of fee to companies that overpromised, underdelivered, and stayed vague about what they were actually doing. So we built CreditRefresh. The software does the tedious part, every step is visible, and the money stays with the person whose credit report it is.
What we believe
Credit reporting is a consumer right, not a luxury service.
The Fair Credit Reporting Act gives every consumer the ability to dispute inaccurate items. The hard part is knowing how to use it. We make that part easier.
No upsells. No long lock-ins.
Traditional credit repair charges hundreds per month and locks you into multi-year contracts. We do not.
Software writes the letters. People stay in control.
Our AI generates dispute letters tailored to your report. You review, sign, and send. Nothing goes out without your approval.
How does CreditRefresh work?
- 1
You subscribe to Refresh Monitoring
Refresh Monitoring is the credit monitoring subscription that includes CreditRefresh, and that subscription is what lets CreditRefresh see your reports.
- 2
CreditRefresh reads your reports
The AI reviews every account and flags what looks inaccurate, incomplete, unverifiable, or too old to be reported.
- 3
You review and approve each letter
Every dispute arrives as a print-ready letter with your name on it, and you decide which ones go out.
- 4
You mail them, or RushMail does
Mail the letters yourself, or hand the round to RushMail for a small per-letter fee. Under the FCRA, bureaus generally must investigate a dispute, typically within 30 days.
What CreditRefresh can and cannot dispute
Being straight about the limits matters more here than anywhere else on this site. Any service promising to erase accurate information is a service to walk away from.
CreditRefresh can dispute
- Inaccurate items, meaning wrong balances, accounts that are not yours, incorrect payment status, duplicates, and wrong dates.
- Incomplete or misleading items that are technically true but missing the context that makes them fair.
- Unverifiable items that the bureau and the furnisher cannot confirm during the investigation.
- Items too old to be reported, which is most negative items after seven years and Chapter 7 bankruptcy after ten.
- Items that are the result of identity theft, which can be blocked.
CreditRefresh cannot dispute
- Information that is accurate, current, and verifiable. No one can lawfully remove that.
- Accurate balances and accurate payment history, however much you would rather they were gone.
- Anything at all without your review and your signature first.
CreditRefresh also cannot promise a particular score change, and no honest service can. What CreditRefresh does promise is that every dispute is legitimate, every step is visible, and you stay in control of all of it.
Who is behind CreditRefresh?
CreditRefresh is built by the team at Credit Refresh LLC, a group of people who got fed up with the credit repair industry and decided to build the alternative. We are a software company rather than a law firm or a credit repair agency, and CreditRefresh does not provide legal advice. Every message to support@creditrefresh.ai reaches a member of the team, and the longer answer about how CreditRefresh compares to the red flags the FTC warns about lives on our trust page.
What does CreditRefresh cost?
CreditRefresh is included at no additional cost with Refresh Monitoring, the credit monitoring subscription that costs $49.99 a month. There is no setup fee, no per-dispute charge, and no contract, and you can cancel anytime. The only other cost is optional, a small per-letter fee if you would rather RushMail print and mail a round than handle the stamps yourself.
Members who work the full program for twelve months and never see any of their three bureau scores rise above where it started can claim back every Refresh Monitoring payment they made.
Frequently asked questions about CreditRefresh
- What is CreditRefresh?
- CreditRefresh is an AI-powered credit dispute tool from Credit Refresh LLC. CreditRefresh reads your credit reports, finds items that look inaccurate, incomplete, unverifiable, or too old to be reported, and drafts a ready-to-send dispute letter for each one. Access is included with a Refresh Monitoring subscription at $49.99 a month.
- Which credit bureaus does CreditRefresh dispute with?
- All three. CreditRefresh drafts dispute letters for Equifax, Experian, and TransUnion, from the reports pulled through our monitoring partner. Each bureau keeps its own file, so every bureau reporting a questionable item gets its own letter.
- How much does CreditRefresh cost?
- CreditRefresh is included at no additional cost with Refresh Monitoring, a credit monitoring subscription that costs $49.99 a month. There is no setup fee and no per-dispute charge, and you can cancel anytime. Mailing a round through RushMail costs a small per-letter fee, and only if you choose that over mailing the letters yourself.
- Is CreditRefresh a credit repair company?
- No. CreditRefresh is software that drafts dispute letters for you to review, sign, and send. A traditional credit repair company acts on your behalf and charges hundreds of dollars a month for it. With CreditRefresh nothing is sent without your approval, and the price is $49.99 a month with no contract.
- Does CreditRefresh mail my dispute letters for me?
- Only when you ask. Every dispute comes as a print-ready letter you can mail yourself. If you would rather skip the printing and postage, RushMail, our mailing partner, sends a round for a small per-letter fee. No letter is ever mailed without your approval.
- Can CreditRefresh remove accurate negative items?
- No, and neither can anyone else. Under the Fair Credit Reporting Act you can dispute information that is inaccurate, incomplete, or unverifiable, plus items too old to be reported, which is most negative items after seven years and Chapter 7 bankruptcy after ten. Accurate, current, verifiable information stays on the report.
- How long does a credit dispute take?
- Under the Fair Credit Reporting Act, credit bureaus generally must investigate a dispute, typically within 30 days of receiving it. CreditRefresh keeps a record of what was sent and the date it went out, so you can see where each round stands.
- Can I cancel CreditRefresh anytime?
- Yes. Refresh Monitoring has no contract and no lock-in, so you can cancel whenever you want. Members who work the full twelve-month program and never see a bureau score rise above where it started can also claim back every payment under the CreditRefresh guarantee.
- Does disputing an item hurt my credit score?
- Filing a dispute does not lower your credit score by itself. Credit scores are calculated from what your reports say about your accounts, and the act of disputing is not one of the scored factors. While a bureau investigates, the account can carry a note saying the item is disputed, and lenders who pull your report can see that note. If an inaccurate item comes off, your score may improve.
CreditRefresh helps you dispute information that may be inaccurate, incomplete, unverifiable, or too old to be reported. Results vary and are not guaranteed, and no one can lawfully remove accurate, current, verifiable information from a credit report. CreditRefresh is included with a Refresh Monitoring subscription ($49.99/month). Credit Refresh LLC is not a law firm and does not provide legal advice.