CreditRefresh is live. As of 6 AM Pacific this morning, the app is publicly available at creditrefresh.ai. Waitlist members got access first. Public registration is now open to anyone who wants to use the app to read their credit reports, identify items that look inaccurate or unverifiable under the FCRA, and draft dispute letters for review.
If you read the countdown posts over the last six days, the substance of what the app does is familiar territory. If this is your first time on the blog, the short version is below. The longer version is in the inside-look series from last week, linked at the bottom of this post.
What the App Does
CreditRefresh is a web-based app that compresses the consumer side of the FCRA dispute process into a workflow most users complete in under an hour of total active time. Sign up at creditrefresh.ai on any browser — desktop or mobile. There is no native iOS or Android app to download. The app runs in the browser.
The workflow has four steps. First, the app pulls your credit reports from Equifax, Experian, and TransUnion through an authorized data integration. The pull is one tap and takes about 12 seconds. Second, AI scans every line of those reports and classifies disputable items by the specific FCRA subsection that applies — inaccuracies under § 1681i(a)(1), outdated items under § 1681c(a), unverifiable items eligible for Method of Verification follow-up under § 1681i(a)(6)(B), or mixed-file candidates under § 1681c-2. Third, item-specific dispute letters get drafted with the correct legal citations and the specific factual basis for each challenge. Fourth, you review every letter, approve the ones you want to send, and the app handles certified mailing and deadline tracking from there.
When bureaus respond, the AI processes the response and drafts the appropriate next step — a Method of Verification request if the response was generic verification, a follow-up dispute if the verification cannot be substantiated, a CFPB complaint if the bureau fails to comply with FCRA timing requirements. You stay in the loop on every decision. Nothing gets sent without your approval.
What It Costs
Three subscription tiers are available: Basic, Standard, and Premium. The tiers vary by monitoring frequency and dispute capacity. Full pricing and feature comparison is on the homepage at creditrefresh.ai. The pricing reflects the underlying cost of AI compute and platform operation rather than the legacy paralegal labor that traditional credit repair was priced around.
Waitlist members who signed up before launch get the launch-day pricing locked in on whichever tier they choose. That pricing is available to public registrants today as well.
What It Does Not Do
CreditRefresh does not remove accurate, properly documented, current debts from credit reports. The FCRA does not authorize that, and any service that promises it is misrepresenting the law. What the app does is challenge items that are inaccurate, outdated, or unverifiable under the specific provisions of the Fair Credit Reporting Act. The FTC has estimated that roughly one in five U.S. consumer credit reports contains some form of error. The subset that meaningfully affects credit scores is smaller but still significant.
CreditRefresh also does not guarantee specific score outcomes. Credit scores depend on the underlying file, the bureau’s response patterns, the consumer’s ongoing payment history, and a dozen other factors outside any dispute service’s control. What the app provides is the workflow for exercising FCRA rights efficiently. The legal substance of those rights has not changed; the friction of using them has.
Today’s Schedule
Two more posts going up on the blog today. At noon Pacific, a walkthrough of what the app does in 90 seconds for anyone who wants to see the workflow start-to-finish in one read. At 6 PM Pacific, a piece on the FTC’s one-in-five-credit-reports-have-errors finding for anyone new to the blog who wants the context behind the launch.
If you missed the countdown, six posts last week walked through the underlying mechanism. Day 1 covered the report pull. Day 2 covered the AI scan against FCRA subsections. Day 3 covered the dispute letter drafting with legal citations. Day 4 covered the approval workflow and the 30-day verification clock. Two bracketing posts framed what is changing in the credit repair industry on either side of today’s launch. All of those are still on the blog.
Why a Web App
A reasonable question for a launch in 2026 is why this is a web app rather than a native iOS or Android download. Three reasons. First, the work the app does — reading credit reports, drafting letters, sending certified mail — does not benefit from native device features. The browser is the right surface. Second, web delivery means consumers do not have to wait for app store approval cycles to receive updates. When a bureau changes a process or a court ruling clarifies an FCRA provision, the change can ship the same day. Third, the security model is easier to audit when the app runs server-side rather than on a device that may or may not have current OS patches.
Native iOS and Android apps may follow at some point. The web app is what is available today.
Security and Data Handling
Credit report data is sensitive by definition. The app pulls reports through Array, an authorized credit-data partner with the SOC 2 Type II controls that bureau integrations require. User account data is encrypted at rest and in transit. Credit report data is processed in memory for the scan and dispute drafting and is not retained beyond what is needed to track the dispute history of items the user has chosen to challenge.
Under § 1681b of the FCRA, only permissible-purpose entities can request consumer credit reports. Consumer-authorized pulls through the app are explicitly permissible. The legal framework that governs every other authorized credit data integration applies here.
Who This Is For
The app is for consumers who want to do something about credit report errors but have not had a workflow that was both affordable and substantive. Anyone currently paying $99 to $199 a month for traditional credit repair is paying for paralegal labor that no longer needs to exist. Anyone who has been holding off on dealing with their credit reports because the manual AnnualCreditReport.com process is exhausting now has a faster on-ramp. Anyone preparing for a major credit event — a mortgage application, a refinance, an auto loan, a business loan — has an option for cleaning the file in advance that was not in the market a week ago.
The app is not for everyone. Consumers with files that are already clean, with no plausible disputable items, do not need it. Consumers whose only credit issues are accurate debts they owe will not get value from a dispute workflow — those need a payment plan, not a dispute service. Consumers with complex legal situations like identity theft involving criminal investigations or pending FCRA litigation should consult an attorney rather than relying on software. The app surfaces these recommendations during the scan.
Getting Started
Go to creditrefresh.ai. Create an account. Authenticate the credit-data integration to authorize the bureau pull. The first report pull happens during onboarding. The scan completes within a minute. The dispute letter drafts appear in the review queue immediately after. Approve the letters you want to send, decline the ones you do not. The 30-day FCRA clock starts the day the bureaus receive your certified-mailed letters.
The full onboarding is designed to be completed in under 30 minutes for a typical consumer. Most of that time is in the user-review step — reading each drafted letter and deciding whether to approve. The technical steps run in the background while you read.
Thanks
Thanks to everyone who joined the waitlist over the last several weeks. Thanks to the readers who worked through the countdown series. Thanks to the consumer protection attorneys and FCRA practitioners who reviewed the dispute language patterns in pre-launch testing. The product is better for the feedback.
Live now at creditrefresh.ai. See you in the app.
Results may vary. No specific outcome is guaranteed. CreditRefresh disputes inaccurate, unverifiable, or improperly reported information — not accurate items. This article is for informational purposes only and is not legal or financial advice.