Getting Started
Connect bureaus, run your first scan, and read the report.
- Is my data safe with CreditRefresh?
CreditRefresh protects your data with encrypted HTTPS connections, encryption at rest, AES-256 encryption on the full copy of each credit report in the CreditRefresh database, and card payments tokenized by the payment processor. CreditRefresh does not sell your personal information for money. In Settings you can turn on two-factor authentication, download your data and delete your account.
8 min read - What do the numbers on my CreditRefresh dashboard mean?
The Home bureau score cards show VantageScore 3.0 and the available information for each bureau. No score yet means that view does not have a usable score and does not identify the cause.
1 min read - How do I connect my credit report to CreditRefresh?
After membership setup, the dispute wizard can request identity verification before connecting report data. Signup asks for the last four SSN digits, while the separate provider-verification form requires the full nine-digit SSN, date of birth and phone.
1 min read - Why does CreditRefresh ask me to verify my identity?
Signup asks for the last four SSN digits, while provider identity verification is a separate form requiring the full nine-digit SSN, date of birth and phone. Use only the secure CreditRefresh form and follow the text-message link if one is presented.
1 min read - What is Refresh Monitoring, and how does it relate to CreditRefresh?
Refresh Monitoring is the credit monitoring subscription that includes CreditRefresh. The current public price is $49.99 a month.
1 min read - How long until I see results with CreditRefresh?
CreditRefresh cannot promise when your score will change or when a dispute will succeed. Drafting and analysis are separate from physical mailing and bureau receipt.
1 min read - How do I sign up for CreditRefresh?
Sign up for CreditRefresh by creating a free account and completing four steps covering your account, personal details, credit monitoring, and payment. The account needs no card. A Refresh Monitoring subscription costs $49.99 per month, with CreditRefresh included at no additional cost.
8 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. You only need to upload 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. What you upload is used only to verify your identity with the bureaus.
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 - 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 $49.99/month subscription, no setup fee, and backs the process with a money-back guarantee.
4 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 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