Getting Started
Connect bureaus, run your first scan, and read the report.
- 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.
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 - 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 It pulls your reports automatically, flags inaccurate balances, outdated items, and reporting that violates federal law, and tracks each bureau's 30-day response.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