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.
Refresh Monitoring is the credit monitoring subscription that includes CreditRefresh. The current public price is $49.99 a month. CreditRefresh provides report analysis, letter preparation and dispute tracking within that subscription, subject to the account's plan limits. RushMail is an optional separate mailing order, and printing and postage remain your responsibility if you mail letters yourself. Review the price before payment at https://creditrefresh.ai/pricing.
Related articles
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 It pulls your reports automatically, flags inaccurate balances, outdated items, and reporting that violates federal law, and tracks each bureau's 30-day response.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.
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.
A soft pull is a credit check that doesn't affect your score and isn't visible to other lenders — covering things like checking your own credit, pre-approval offers, and the pulls CreditRefresh runs on your reports. A hard pull is a credit check tied to a credit application that does affect your score, usually by a small amount, and stays visible to lenders for two years.
The current public membership price is $49.99 a month for Refresh Monitoring with CreditRefresh included. There is no setup fee or contract, and cancellation stops the next renewal while preserving the paid period.