Getting Started
Connect bureaus, run your first scan, and read the report.
- What do the numbers on my CreditRefresh dashboard mean?
Your dashboard's Overview section shows four tiles: Score improvement, Active campaign, Letters sent, and Items removed. These track your progress since you started, not a single day's activity. A "Score improvement" of 0 soon after signing up is expected, since results take weeks. "Letters sent" is usually higher than the number of items in dispute because one disputed item can produce letters to multiple bureaus and a creditor.
3 min read - Which documents does CreditRefresh ask for, and what happens to them?
CreditRefresh may ask for an ID front and back, an SSN card, proof of address, or an identity theft report, depending on your situation. You only need to upload any of these if you choose RushMail to mail a bureau dispute letter for you, since bureaus require proof of identity for mailed disputes. Printing and mailing your own letters requires no uploads at all. Anything you do upload is used only to verify your identity with the bureaus and is never sent with creditor letters.
3 min read - Why does CreditRefresh ask me to verify my identity?
CreditRefresh verifies your identity because the credit bureau must confirm it is really you before sharing your report. You provide your Social Security number and date of birth, then answer security questions the bureau generates. Your SSN is encrypted and used only for verification. You can also upload identity documents, which are printed and mailed with your bureau dispute letters when RushMail mails them for you.
3 min read - Does CreditRefresh affect my credit score?
No. CreditRefresh pulls your reports through Refresh Monitoring as soft inquiries, the same kind of check as looking at your own credit, and soft inquiries never affect your score. CreditRefresh never performs a hard pull; hard inquiries only happen when you apply for credit with a lender. Filing disputes does not lower your score by itself either.
3 min read - How do I sign up for CreditRefresh?
CreditRefresh is in early access. There is no self-serve signup yet: join the waitlist at creditrefresh.ai with your email, and you'll be notified when accounts open. Once you're in, you connect your credit reports, and everything runs on a single $49/month Refresh Monitoring subscription with no setup fee and no contract.
3 min read - Does CreditRefresh actually work? Is it legit?
Yes. CreditRefresh is a real product from Credit Refresh LLC. It pulls your credit reports, uses AI to flag items that may be inaccurate, incomplete, unverifiable, or too old to report under the FCRA, and drafts a letter for each one you review and approve. It charges one flat $49/month subscription, no setup fee, and backs the process with a money-back guarantee.
4 min read - What is Refresh Monitoring, and how does it relate to CreditRefresh?
Refresh Monitoring is the $49 per month credit monitoring subscription that includes full access to CreditRefresh, which is free on its own. Refresh Monitoring is the source of your credit reports and scores, and CreditRefresh is the tool that accesses those reports to scan for errors and draft disputes. Pulling reports this way is a soft pull that does not hurt your score.
3 min read - How do I connect my credit report to CreditRefresh?
You connect once, from your dashboard. CreditRefresh verifies your identity (name, address, date of birth, Social Security number, plus the bureaus' identity questions) and pulls your reports from Equifax, Experian, and TransUnion through a regulated credit-data provider. The pulls are soft inquiries, so connecting never affects your credit score.
3 min read - What happens after I sign up for CreditRefresh?
After signup you connect your credit profile, and CreditRefresh pulls your reports from all three bureaus as soft inquiries. The AI then runs its first scan, checking every line item for inaccuracies and FCRA violations. Anything disputable shows up as a drafted letter to review. Nothing mails until you approve it, and after that the platform tracks each bureau's 30-day response window.
3 min read - Which credit bureaus does CreditRefresh work with?
CreditRefresh works with all three nationwide credit bureaus: Equifax, Experian, and TransUnion. It pulls all three reports because each bureau keeps its own separate file on you, and an error can appear on one, two, or all three. Disputes are sent to whichever bureau is actually reporting the item.
2 min read - Who can use CreditRefresh?
CreditRefresh is for US consumers who have credit files at Equifax, Experian, and TransUnion. You need to be able to verify your identity with the bureaus, which means providing your name, address, date of birth, and Social Security number. The platform works on consumer credit reports under the FCRA, so it is not built for business credit.
2 min read - Is my data safe with CreditRefresh?
Yes. CreditRefresh treats credit and personal data as sensitive by default. Bureau pulls are soft inquiries that don't affect your score. Credentials are encrypted, used only for dispute work. Your data isn't sold to advertisers or third parties — it stays in our systems for finding errors, drafting letters, and tracking outcomes.
3 min read - How long until I see results with CreditRefresh?
Setup takes minutes, and the AI can flag errors and draft letters the same day you connect your reports. Once a letter is sent, each bureau has 30 days under FCRA Section 611 to investigate, so first outcomes usually land within about a month. Some items resolve in one round, others take several, and some cannot be removed. No tool can promise a specific score change.
3 min read - Is CreditRefresh a credit repair company?
No. CreditRefresh is dispute automation software, not a traditional credit repair company. The app pulls your credit reports, an AI flags errors and FCRA violations, drafts dispute letters, and you review and approve each one before it is sent. There is no agent representing you, no monthly retainer for services, and no contracts.
1 min read - What is CreditRefresh and how does it work?
CreditRefresh is an app that uses AI to find errors and FCRA violations on your credit reports, then drafts custom dispute letters to Equifax, Experian, and TransUnion. It pulls your reports automatically, flags inaccurate balances, outdated items, and reporting that violates federal law, and tracks each bureau's 30-day response. You approve every letter before it's sent.
3 min read - How is CreditRefresh different from Credit Karma, Experian, or other monitoring tools?
Credit Karma, Experian, and similar tools tell you what's on your credit reports and what your score looks like. CreditRefresh goes further by acting on what's there — using AI to find errors and FCRA violations, drafting custom dispute letters for all three bureaus, and tracking the responses. Monitoring tools show you the problem. CreditRefresh works on fixing it.
3 min read - What types of accounts and items can CreditRefresh help with?
CreditRefresh can challenge a wide range of items on your credit reports — late payments, collections, charge-offs, hard inquiries, public records, and accounts that aren't yours — when the reporting contains an error or violates the FCRA. It's not a tool for removing debts you legitimately owe. It's a tool for fixing what's reported incorrectly, incompletely, or in violation of federal law.
3 min read