Fix your credit score
with AI in 60 seconds.
Upload your credit report. Our AI finds errors, generates FCRA-compliant dispute letters, and builds a score improvement plan. 70% of reports have errors costing you points.
No credit card required. Free analysis + 3 dispute letters.
How CreditCoach AI Works
1. Upload Report
Download your free credit report from annualcreditreport.com and upload the PDF. Takes 2 minutes.
2. AI Analysis
Our AI scans for errors, negative items, and score-killers. Get a prioritized action plan with estimated point gains.
3. Legal Letters
Three types: FCRA dispute letters to bureaus, FDCPA debt validation letters to collectors, and cease & desist letters to stop harassment. Print, sign, mail. That's it.
Simple Pricing
Free
- ✓ 1 credit report analysis
- ✓ 3 dispute letters
- ✓ Score improvement plan
- ✗ No credit card required
Pro
- ✓ Unlimited report analyses
- ✓ Unlimited dispute letters
- ✓ Score tracking over time
- ✓ Credit utilization optimizer
- ✓ Dispute tracking dashboard
Full Service
- ✓ Everything in Pro
- ✓ We print & mail letters for you
- ✓ Priority dispute escalation
- ✓ Monthly progress reviews
- ✓ Cancel anytime
Common Questions
Is this legal?
Yes. The Fair Credit Reporting Act (FCRA, 15 U.S.C. § 1681) gives every consumer the right to dispute inaccurate information on their credit report. The Fair Debt Collection Practices Act (FDCPA, 15 U.S.C. § 1692) gives you the right to demand debt validation and stop collector harassment. CreditCoach AI helps you exercise these rights — no loopholes, just the law.
What's the "609 letter" thing I see online?
It's overhyped. Section 609 of the FCRA gives you the right to see what's in your credit file — it's not a magic eraser. The real power is Section 611: bureaus must investigate disputes within 30 days, and if they can't verify the item, they must remove it. That's what our letters do — no secret loopholes, just the actual law.
What types of letters do you generate?
Three types: FCRA dispute letters sent to credit bureaus (Section 611 investigations), FDCPA debt validation letters sent to collection agencies (Section 1692g demands), and cease & desist letters to stop collector harassment (Section 1692c). All three are based on real federal law, not YouTube myths.
How is this different from credit repair companies?
Most credit repair companies charge $99-150/month and do the same thing: generate dispute letters. We use AI to do it faster, better, and at 1/10th the cost. No setup fees, no hidden charges.
Will this hurt my credit score?
No. Disputing inaccurate items is a soft inquiry — it does not affect your score. There is no credit pull, no hard inquiry, and no risk to your current score.
Where do I get my credit report?
You can download free reports from annualcreditreport.com — federally authorized, free once per year from each bureau. Upload the PDF and we handle the rest.
Do you store my credit report?
Your report is processed to generate your analysis and dispute letters, then deleted. We do not sell or share your data. Pro users can opt in to monthly monitoring with re-uploads.
Ready to fix your credit?
Upload your report. Get your analysis and dispute letters in 60 seconds. Free to start.
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