Get in. Fix your credit.
Get out.
Upload your credit report. Our AI finds errors and generates FCRA-compliant dispute letters in 60 seconds. No $89/month forever. No 12-month contract. Just letters you print, sign, and mail.
Free analysis. No credit card required. Pay only if you want the letters.
How CreditCoach AI Works
1. Upload Report
Download your free credit report from annualcreditreport.com and upload the PDF. Takes 2 minutes. Works with any credit report from any source.
2. AI Analysis
Our AI scans for errors, negative items, and score-killers. Get a prioritized action plan with estimated point gains — free.
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, Honest Pricing
No subscription required. No setup fees. No 12-month lock-in.
Free Analysis
- ✓ Upload credit report PDF
- ✓ AI finds errors & negative items
- ✓ Score impact breakdown
- ✓ Prioritized action plan
- ✓ No credit card required
Dispute Pack
- ✓ All 3 letter types (FCRA + FDCPA + C&D)
- ✓ Unlimited letters for this report
- ✓ Email delivery of all letters
- ✓ 90-day dispute tracking dashboard
- ✓ Follow-up letter generation
- ✓ No subscription — yours forever
Active Repair
- ✓ Everything in Dispute Pack
- ✓ Unlimited report re-analyses
- ✓ Monthly progress tracking
- ✓ New letters as bureaus respond
- ✓ Score tracking over time
- ✓ Cancel anytime — no lock-in
Compare: Lexington Law charges $89-129/mo + $99-199 setup fee with a 6-12 month contract. We charge $19.99 once. Same federal laws. Same dispute process.
How We Compare
| CreditCoach | Credit Versio | Lexington Law | CreditRepair.com | |
|---|---|---|---|---|
| Starting cost | $19.99 one-time | Subscription required | $89-129/mo | $89.95/mo |
| Setup fee | $0 | Hidden in subscription | $99-199 | $99 |
| Contract required | No — pay once | Monthly subscription | 6-12 months | 6 months |
| FCRA dispute letters | ✓ | ✓ | ✓ | ✓ |
| FDCPA validation letters | ✓ | ✗ | ✓ | Limited |
| Cease & desist letters | ✓ | ✗ | ✓ | ✗ |
| AI credit analysis | ✓ 60 seconds | ✓ Monthly | ✗ | ✗ |
| Free analysis | ✓ No card | ✗ | ✗ | ✗ |
| One-time purchase option | ✓ $19.99 | ✗ | ✗ | ✗ |
| Time to first letter | 60 seconds | After signup | 5-7 days | 5-7 days |
Same federal laws. Same dispute process. No subscription required.
Credit repair companies charge $89/month forever.
Their business model depends on keeping you subscribed. The longer you pay, the more they make. That's backwards.
We think it should be the other way around. Get your letters, fix your credit, and stop paying. $29.99 once. Done.
The letters are federal templates — FCRA Section 611, FDCPA Section 1692g, Section 1692c. The "secret" is knowing which items to dispute. AI does that in 60 seconds.
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 $89-150/month for 6-12 months and do the same thing: generate dispute letters. We charge $19.99 once. You get the same federal letters, AI-powered analysis, and a tracking dashboard. No subscription, no setup fee, no contract. Get in, fix your credit, get out.
How is this different from Credit Versio?
Credit Versio requires a monthly subscription to their 3-bureau credit monitoring service. We don't. You pay $29.99 once and get your letters — no ongoing cost. We also generate FDCPA debt validation letters and cease & desist letters, which Credit Versio doesn't offer. Their model keeps you paying; ours lets you leave.
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. Works with any credit report from any source.
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. Active Repair members can opt in to monthly monitoring with re-uploads.
Ready to fix your credit?
Upload your report. Get your free analysis in 60 seconds. Pay $19.99 only if you want the letters. No subscription.
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