Referred by Bridgepoint Solutions? Your funding strategy starts here — read on.
AI Strategist · $99/mo all-in · CROA-compliant
A credit strategist that never sleeps, never forgets, and knows exactly when to make each move.
CreditMend AI is the first credit service that runs the whole playbook — clean up the report, build the right tradelines, time the right applications — as one intelligent system. Tri-bureau access included. $99/month, all-in.
Five phases. One intelligent timeline. No human credit coach keeps this much context.
Most services either fix your report or sell you on building — never both, never with the right timing. CreditMend AI watches every account, every score, every change across all three bureaus, and runs the next right move on its own schedule.
Phase 01
Triage
Day 0–7
Tri-bureau pull. AI ranks every negative item by score-impact and likelihood of removal. Builds the dispute order.
Phase 02
Repair
Day 7–90
Disputes filed in timed waves — not all at once. FCRA & FDCPA violation letters drafted to the specific bureau, creditor, and item.
Phase 03
Stabilize
Day 60–120
As removals come in, AI recalculates your real baseline. Identifies the actual limiting factor — utilization, age, mix, depth.
Phase 04
Build
Day 90+
Recommends the next right move: secured card, builder loan, authorized user, or utilization play — tailored to your file.
Phase 05
Optimize
Ongoing
Bureau-specific tactics. Utilization alerts before statement close. Tells you exactly when to apply, and when to wait.
How the strategist thinks
The right move at the right moment. Every move.
Real examples of what the AI does on its own. No appointments. No coaching calls. No hourly bills.
When your utilization crosses 28%
Pause & protect, before the statement closes.
A mid-cycle alert telling you exactly how much to pay down and on which card — before the bureaus see a number that drops your score 20+ points.
When a dispute clears Experian first
Re-dispute the lagging bureau.
Bureaus update on different cycles. When one removes an item, we automatically resend the supporting evidence to the others — closing the gap faster than any human credit repair workflow.
When your file is too thin for the card you want
The right builder loan — not the most expensive one.
Self vs. Credit Strong vs. a secured installment line. Picked based on your bureau coverage, target score, and timeline — not affiliate commissions.
When you're 90 days from a mortgage application
No new hard pulls. Lock the playbook.
Stops recommending applications. Shifts to utilization optimization and account-aging only. Tells you exactly when it's safe to move again.
When a derogatory hits the seven-year mark
Force the bureau to age it off.
Bureaus don't always honor the FCRA seven-year reporting limit on their own. We do — automatically, with the right citation, on the day the line ages out.
When you're ready to apply
Pick the issuer that pulls the right bureau.
Discover pulls Equifax in some regions, TransUnion in others. Barclays leans TransUnion. We tell you which card to apply for now, and which to wait on.
Best for: anyone who wants results without the runaround.
Premium consultant
Credit coach or strategist
$200–400/hr
Plus retainers. Usually 1099 advice.
✓Personalized strategy — sometimes
✗Limited to scheduled sessions
✗Can't watch your accounts 24/7
✗Some give shady stated-income advice
✗You execute everything yourself
Best for: people with $5K+/yr to spend on advice.
The math, year one
What you'd pay, what you'd get.
Industry standard
Traditional credit repair · annual
Initial work fee$149
12 × $129/mo service$1,548
12 × $19.95/mo monitoring$239
Build strategy & timingNot included
Audit trail & transparencyNot included
Year 1$1,936
CreditMend
CreditMend AI · annual · all-in
Setup & onboarding$0
12 × $99/mo membership$1,188
SmartCredit tri-bureau accessIncluded
Unlimited disputes & AI lettersIncluded
Build strategy & timing engineIncluded
Year 1$1,188
For funding seekers
Denied for funding? You're not stuck.You're early.
“If a top funding consultant told you to come back in six months — CreditMend AI is what you do during those six months.”— The CreditMend operating thesis
Most funding denials aren't really denials — they're “not yet.” Score too low. Utilization too high. File too thin. Wrong bureau pulling. Inquiries stacked too tight.
Every one of those is a known problem with a known sequence to solve. The trouble is the sequence takes 3–9 months of attention, and you don't have a consultant on retainer. That's what CreditMend AI is for.
01
Cleanup pass — every disputable item, in the right order, at the right time.
02
Utilization engineering — get to single-digit on the bureaus your target issuers pull.
03
Tradeline depth — the right builder products picked for your exact file.
04
Inquiry hygiene — stop new pulls during the build window. Time them right at the end.
05
The green-light moment — AI tells you exactly when to walk back into the funding office.
Honest pricing
One price. The whole playbook.
Membership · All-in
CreditMend AI
$99/month
Everything below in one monthly subscription. Tri-bureau access included. No setup fees, no per-letter charges, no surprise upsells.
Repair
Tri-bureau access via SmartCredit — bundled
FCRA, FDCPA, FCBA violation detection
Unlimited dispute letters, AI-drafted
Full audit trail on every send
Build & optimize
Personalized tradeline strategy
Utilization & statement-close alerts
Application & bureau timing engine
Pre-funding readiness scoring
Pay-as-you-go add-ons
Certified mail delivery via our in-house service with USPS tracking, when you'd rather not handle the post office. Pricing shown in your dashboard before you send — no subscription, no surprise charges.
No setup fee · No contract · Federal CROA 3-day right to cancel · SmartCredit tri-bureau access bundled
Common questions
Skeptical? Good. So were we.
Lexington Law and Credit Saint do credit repair only. They file disputes, charge $99–$199/month while they work, and finish when the disputes finish. CreditMend AI does that — and then keeps going. We build your file with the right tradelines, watch utilization daily, tell you when to apply for what, and engineer the score upward over months. Repair is phase two of five.
At running a playbook on a long timeline across many accounts and bureaus, yes. A credit coach sees you for an hour. CreditMend AI sees every account update across all three bureaus, every day. It runs the FCRA timing math, tracks aging accounts to the day, alerts you before statement close, and never forgets what move comes next. A good coach is invaluable for one-time advice. AI wins on sustained execution.
No credit repair or credit-building service can legally guarantee a score outcome — including us. What we can guarantee is that we identify every legitimate dispute opportunity, file properly, time the right build moves, and show you every action we take. When the work is right, scores generally rise. The audit trail is on you to inspect any time.
Legitimate ones. Secured credit cards from established issuers (Capital One, Discover, Self). Credit builder installment loans (Self, Credit Strong). Authorized user strategies for customers with family willing to add them. Utilization reallocation across existing cards. We will never coach you to misstate income on a credit application, "manufacture" income on stated-income forms, or game any system in ways that constitute fraud. Real moves, real strategy.
Repair-only services like Lexington Law charge $129+ for service only, then you pay $20/mo extra for credit monitoring — putting their real cost closer to $150. Hourly credit coaches charge $200–400 an hour. At $99/month, we're delivering 5× the scope of repair-only services with monitoring bundled, and a fraction of what a coach charges per hour. We could charge less by stripping the build features; we chose not to.
No. SmartCredit tri-bureau access is bundled into your $99/month membership — we pay them on your behalf as a partner. You'll create a SmartCredit account during onboarding (a couple of clicks), but the billing comes from us in a single monthly charge. No second checkout, no separate bill, no surprise costs.
Yes. Under the federal Credit Repair Organizations Act, you have a 3-day right of cancellation for any reason after signing up, with full refund — we honor that to the letter. Beyond three days, you can cancel anytime in your dashboard. No contracts, no cancellation fees, no retention calls.
Bank-level encryption end-to-end. SmartCredit handles bureau authentication so we never see your bureau passwords. We don't sell or share your data. We're CCPA-compliant for California users. Full details in our privacy policy.
Run the playbook. Get funding-ready.
Connect your SmartCredit account, see your full credit playbook — what's hurting you, what's next, and when — free. Membership only starts when you're ready.