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.
The basic requirements
- You are a US consumer with a credit file at the nationwide bureaus (Equifax, Experian, and TransUnion).
- You can verify your identity: legal name, current address, date of birth, and Social Security number, plus the bureaus' identity questions.
- You have a payment method for the RefreshMonitoring subscription once billing is live.
Why a US credit file is required
The entire platform is built on the Fair Credit Reporting Act, the federal law that governs US consumer credit reports and gives you the right to dispute what is on them. The bureaus CreditRefresh pulls from are the three US nationwide agencies. If you do not have a US credit file, there is nothing for the platform to pull or analyze.
If you are new to credit
If your credit file is very new or very thin, the platform can still pull and monitor it, but there may simply be little or nothing to dispute. Disputes work on errors and FCRA violations. A thin file with accurate information does not give the AI anything to challenge.
What CreditRefresh is not built for
The platform handles consumer credit reports, not business credit. It also is not the right tool if what you need is legal representation. If your situation involves litigation, garnishment, or active identity theft with new accounts still being opened, reach support@creditrefresh.ai or talk to an attorney about the right next step.
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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 It pulls your reports automatically, flags inaccurate balances, outdated items, and reporting that violates federal law, and tracks each bureau's 30-day response.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.
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.
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.