Frequently asked
Quick answers, no fine print.
The most common questions about how Credit Refresh works, what it doesn't do, and what to expect at launch.
What is Credit Refresh?
Credit Refresh is a consumer credit tool that pairs paid credit monitoring with an AI-powered dispute generator. It helps you spot inaccurate or outdated items on your credit report and write FCRA-compliant dispute letters.
Is this credit repair?
It is software you control, not a credit repair service. Traditional credit repair charges monthly retainers and files disputes on your behalf. Credit Refresh writes the letters; you review and send them.
Does Credit Refresh dispute accurate information?
No. The Fair Credit Reporting Act only protects disputes of inaccurate, outdated, or unverifiable information. Credit Refresh will not generate disputes for items you know to be accurate.
Will using Credit Refresh raise my credit score?
Nobody can promise a specific score outcome. Removing inaccurate negative items can help, but the impact depends on your overall credit profile. We will never quote a specific point increase.
When does it launch?
Credit Refresh is in pre-launch. Join the waitlist for early access and founder pricing.
Where do you get your credit data?
Credit reports are pulled via Array, a regulated consumer credit data provider. You authorize the pull; we never sell or share your data.