AI Credit Strategist

Your credit report
has errors. We find them.

AI-powered analysis that catches what human agents miss — re-aged dates, duplicate listings, past-SOL items, missing required data.

Avg. score lift after 90 days
547
547 → 720 (example)
Start Fixing Your Credit→
FCRA CompliantAI-Powered3-Bureau Analysis
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The problem
0%

of credit reports contain at least one material error. Most people never know.

FTC studies have found 1 in 5 consumers had errors that affected their score and 1 in 20 had errors that pushed them into a different risk tier entirely.

Incorrect Late Payments
Lates that never happened — paid on time but reported 30+
Re-aged Collection Dates
Date of first delinquency reset to keep debts past their 7-year sunset
Duplicate Accounts
Same debt reporting twice — once as the original, once as the collection
Wrong Balances
Closed accounts showing live balances, or amounts that don't match payoffs
Outdated Information
Items past the 7-year reporting limit still pulling your score down
How it works

The strategist runs the entire playbook.

Step 01

Import

Pull all three bureaus in one click via SmartCredit — Equifax, Experian, TransUnion. Paste your report; we parse every account.

Tri-bureau
Step 02

Analyze

Every account runs through an FCRA/FDCPA model that catches re-aged dates, missing data, duplicate listings, and past-SOL items. Each flag includes a legal citation and a confidence score.

Step 03

Dispute

Custom dispute letters — not templates — referencing the exact violation, the bureau, the account, and the consumer right being asserted. Mail certified through the app for $9.99 a letter.

Dispute Letter — Draft
FCRA §611Certified Mail
The analysis

Watch the strategist read a single line item.

Equifax · TradelineScanning
MIDLAND CREDIT MGMT
Account ****8821
Status
Collection · Open
Balance
$2,487
Date of First Delinquency
2022-03-15
Date Opened
2018-08-02
Furnisher Verification
None on file
FCRA §611 Violation DetectedConfidence 94%
Re-aged date of first delinquency

Account shows DOFD as 2022 but original tradeline filed 2018. Account is past §605(a) 7-year reporting window.

FCRA §623 ViolationConfidence 82%
Inconsistent balance reporting

Bureau-to-bureau balance variance of $312. Furnisher has not investigated under §623(b) duty to verify.

Strategy
Method-of-verification request recommended

Send MOV under §611(a)(7) — bureau will likely fail to produce documentation, forcing deletion.

Versus

A different category, entirely.

The old way
Lexington Law & the rest
  • Template letters that bureaus auto-reject
  • Manual review — wait days for a human
  • $120–$150/mo with long contracts
  • Weeks to start
  • Print, stamp, mail yourself
The CreditMend way
AI strategist + tri-bureau import
  • AI-customized letters citing the specific violation
  • Instant analysis the moment your report imports
  • $99/mo, all-in, cancel anytime
  • Start in minutes
  • One-click certified mail with return receipt
One price

Everything, included.

$99/month
Everything included · cancel anytime
  • Unlimited AI report analysis
  • Unlimited dispute letter generation
  • Tri-bureau coverage — Equifax, Experian, TransUnion
  • FCRA / FDCPA / CROA-compliant strategy
  • Build-moves engine (secured cards, builder loans)
  • Timing engine (statement-close, application cooldowns)
  • Strategist chat, 24/7
  • Activity log of every action taken on your file
Subscribe — $99/month→
3-day money-back guarantee under CROA · no upfront fees
Certified mail available at $9.99 / letter
FAQ

Questions, answered.

Lexington Law, Credit Saint, and most of the industry sell template letters generated by humans, billed monthly. CreditMend AI runs the full playbook — repair, build, timing — as one intelligent system. Every letter is custom-cited to the violation we found. Every recommendation is tied to your actual file, not a script. And nothing we do requires upfront fees, because that would be illegal under CROA.
Yes. We operate fully under CROA, FCRA, FDCPA, and TSR. No upfront fees, no score guarantees, three-day right to cancel, written agreements before services begin. The product is built to be the inverse of every "credit repair scam" pattern that regulators flag.
Bureaus have 30 days to investigate disputes under FCRA §611. Most users see first-round results within 30–45 days. Build moves (secured card, builder loan) start aging immediately. Full file repair generally takes 90–180 days, depending on what's on your report.
Yes — SmartCredit is how we get your tri-bureau data. You sign up via our affiliate link, copy your 3B Report page text into CreditMend, and we do the rest. SmartCredit costs are separate from your CreditMend membership.
Full refund within 3 business days under CROA. After that, you can cancel any time for next billing cycle — no refund for past months, since services were already rendered. Cancel from /dashboard/billing with one click.
We use AI for the parts AI is genuinely good at — reading dense report text, recognizing FCRA violation patterns, drafting citation-accurate dispute language, and pacing applications relative to your file. We don't use AI to invent disputes, predict scores, or coach you to misrepresent income. Those uses are why so much of the industry has a fraud problem.

Every day you wait,
the errors stay.

Start the strategist on your file in under five minutes. Cancel any time, full refund within three business days under CROA.

Start Fixing Your Credit→
$99 / month · everything included