Getting Started
Connect bureaus, run your first scan, and read the report.
- 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