CreditIQ AI™

Stop guessing why you got denied.

Find out what’s wrong on your credit report in about a minute, for free. Then dispute only what is actually wrong, with letters written for your exact accounts.

Get my free credit check-up Watch the 60-second demo

No account. No card. We don’t save your report.

See it in 30 seconds.

Watch a made-up report go from upload to a finished dispute letter. Yours is written for your own accounts, and you approve everything.

Drop your free credit report here
PDF
credit-report.pdfReading every account...

Upload your free report.Drop in the PDF from annualcreditreport.com. No typing, no prompts.

Chase ···2210TransUnion · Open · $0
Consistent
Capital One ···8830Experian · Open · $212
Consistent
Midland ···4471TransUnion · Collection · $1,240
No date of first delinquency
Midland ···4471Equifax · Collection · $980
Equifax shows $980, not $1,240
2 possible errors found

AI checks every account.Each one is compared with the FCRA, Metro 2 reporting rules, and the other bureaus.

Midland ···4471 · Collection · $1,240

Does this match your own records?

Yes, this looks wrongNo, it is correctNot sure
Added to your dispute plan

You confirm what is wrong.One simple question per item, so every dispute stays truthful. You decide what to dispute.

Sample letter · made-up data

TransUnion Consumer Dispute Center
Re: Dispute of inaccurate information, Midland account ending 4471

I am writing under the Fair Credit Reporting Act, 15 U.S.C. § 1681i, to dispute information I believe is incomplete or inaccurate.

1. No date of first delinquency is reported (Metro 2 field: Date of First Delinquency), so the reporting period under § 1681c(c) cannot be checked.

2. The balance differs between bureaus: Equifax $980, TransUnion $1,240. See §§ 1681e(b) and 1681s-2(a).

Please investigate within 30 days and send me the results in writing.

Your letter is written for you.It names the exact account and problem and cites the FCRA, Metro 2 and FDCPA rules that may apply, using only your facts.

Approve letter Approved
Print itMail it yourselfOr we mail it, $12.95

Nothing is sent unless you approve.

You review and approve. Mail it yourself, or we send it certified for $12.95.CreditIQ AI then tracks every deadline. When the bureaus answer, snap a photo and your progress updates.

Sample walkthrough with made-up data. No company can guarantee results, and only you decide what to dispute.

Check my report freeAbout a minute. No card.

Sound familiar?

  • You applied for an apartment, a car, or a card and got a no, or a rate that made your stomach drop.
  • You opened your report and it read like a foreign language. Which of those 40 accounts is actually wrong?
  • You sent a generic dispute letter and got a form reply, or nothing.
  • You priced out credit repair companies and winced at paying every month for work you couldn’t see.
  • You know there could be errors. You just can’t tell where.

You’re not bad with money. Your report is built to be hard to read.

Check my report freeAbout a minute. No card.

Waiting costs more than checking.

The same $30,000 car loan over 5 years, at two interest rates.

At a 6.5% rate$5,219
At a 14% rate$11,883
+$6,664more in interest. CreditIQ AI Monthly is about $3.30 a day.

Illustrative math only. Your rate depends on your whole credit profile, your income, and the lender. Correcting errors may or may not change your rate, and no one can guarantee that it will.

Why good credit matters

Your credit score decides whether lenders say yes, and what you pay when they do. It can mean the difference between driving off the lot and hearing “we’ll call you.”

Young professional woman receiving car keys from a dealership sales representative next to a new pearl-white luxury sedan with a red bow

Good credit gets you approved for the car you want.

Better credit can mean easier approval and a lower interest rate on your auto loan. Learn how to build your credit with CreditIQ AI.

What score do you need for a car loan? →
Happy couple holding the keys to their new home on the front porch

Good credit opens the door to your first home.

A stronger credit profile helps you qualify for a mortgage and can lower the interest you pay over the life of the loan. Start with a free credit check-up.

How to get mortgage-ready →

Check my report freeAbout a minute. No card. Results vary; we never guarantee approval.

How members use CreditIQ AI.

You stay in control of your own file. CreditIQ AI does the organizing, checking, and drafting.

  1. Get your free reports

    Download all three reports at annualcreditreport.com, the official free source. Your checklist walks you through it.

  2. Upload your reports

    Upload the PDF, and AI reads every account into one organized view. You review the list before anything is added, and you can always add accounts by hand.

  3. Run the red flag scan

    CreditIQ AI checks your accounts against Metro 2 reporting rules and across bureaus, then explains each red flag in plain English.

  4. Draft your dispute letters

    For anything you believe is wrong, AI drafts a specific letter in your own words, naming the exact problem. You review and approve every word.

  5. Track every response

    Log the date you mail each letter. CreditIQ AI tracks the bureau's 30-day response window and what they decided.

What the red flag scan looks for.

Each red flag is a sign your reporting may be inaccurate or incomplete. Only you decide whether something is actually wrong.

  • Balance and status conflictsA paid or sold account still showing a balance, or a current account with money past due.
  • Missing or impossible datesNo first-delinquency date on a collection, or a delinquency dated before the account opened.
  • Bureau-to-bureau mismatchesThe same account reported with different balances, statuses, or dates at different bureaus.
  • Duplicates and old itemsThe same account listed twice, or a first-delinquency date that suggests it's past the 7-year reporting period.
  • Missing dispute markersAn account you already disputed that isn't marked as disputed by the consumer.
  • Past due above balanceA past-due amount larger than the total balance reported for the same account.
  • CollectionsA collection still shown as active with a $0 balance, a collector with no first-delinquency date, or a debt you can make the collector prove in writing.
  • Charge-offsA charged-off account that is also listed as a collection for the same debt, or a charge-off with missing or impossible dates.

See what your letter looks like.

This is a sample dispute letter built from the example report above. Yours is written for your own accounts, and you review and edit every word before anything is mailed.

  • Names the exact account and the exact problem
  • Cites the FCRA, Metro 2 and FDCPA rules that may apply
  • Asks the bureau to investigate and verify in writing
  • Nothing is sent unless you approve it

Check my report freeAbout a minute. No card.

Three ways to handle a credit report.

An honest side-by-side. The right choice depends on how much of the work you want to see and control.

FeatureA generic dispute letterA credit repair companyCreditIQ AI
Knows your exact accountsA generic dispute letterNo. Same wording for everyone.A credit repair companyVaries. You often can’t see the work.CreditIQ AIYes. AI reads your report and names the specific problem.
You approve every wordA generic dispute letterYes, if you write it yourself.A credit repair companyOften not.CreditIQ AIYes. Nothing goes out unless you approve it.
Checks Metro 2 rules and bureau mismatchesA generic dispute letterNo.A credit repair companyVaries.CreditIQ AIYes, built in.
Tracks the 30-day response windowA generic dispute letterYou track it by hand.A credit repair companyVaries.CreditIQ AIYes, with reminders.
Needs a paid credit monitoring subscriptionA generic dispute letterNo.A credit repair companyOften, yes, at your cost.CreditIQ AINo. Your free reports from annualcreditreport.com work.
What it costsA generic dispute letterFree, plus postage.A credit repair companyCommonly a recurring monthly fee.CreditIQ AIFree check-up. Then $99/month, or $497 for 6 months.

Credit repair companies vary widely. This compares typical approaches, not any one company.

Why people choose CreditIQ AI.

Four things we think a credit tool should do.

Check my report freeAbout a minute. No card. Results are not guaranteed.

Individual membership.

Every plan includes report upload, the red flag scan, and AI-drafted letters for your own disputes. No plan can guarantee results, and you can always dispute directly with the bureaus for free.

30-day money-back promise. If CreditIQ AI isn't right for you, email us within 30 days of your first payment for a full refund.

Monthly

$99 /month

About $3.30 a day

Pay your way at checkout: Klarna, Google Pay, Cash App Pay, Amazon Pay, or Link, where available.

For people who want to start now and pay as they go.

Know what's affecting your credit, and what to focus on next.

  • Every tool in the app, the same as the longer plans
  • Cancel anytime and keep access through the period you paid for
  • 30-day money-back promise on your first payment
  • The easiest way to try it with the least up front
Start Monthly
Best for a full round of disputes

6-Month

$497 for 6 months

Pay your way at checkout: Klarna, Afterpay, Zip, Google Pay, Cash App Pay, Amazon Pay, or Link, where available.

For people who want several full rounds of disputes and want to save money.

About $83 a month, so you save $97 compared with six months of Monthly. One payment, no auto-renewal.

  • One payment of $497, no monthly bill
  • Six full months for your own credit file
  • Saves $97 versus six months of Monthly ($594)
  • Bureaus have about 30 days to answer each dispute, so six months fits several full rounds
  • Every tool in the app, with nothing held back
  • Does not renew on its own, so there is nothing to cancel
  • 30-day money-back promise on your payment
Get 6-Month

Annual

$899 /year

About $2.46 a day. Save $289 a year.

Pay your way at checkout: Klarna, Google Pay, Cash App Pay, Amazon Pay, or Link, where available.

For people who know credit work takes several rounds.

A full year of disputes, follow-ups, and tracking for less.

  • Save $289 compared with paying monthly
  • Time for multiple dispute rounds at every bureau
  • Cancel renewal anytime
  • Every tool in the app, the same as the shorter plans
  • Lowest price per day of the three
  • 30-day money-back promise on your first payment
Start Annual

Cancel anytime. 30-day refund. Card payments secured by Stripe.

The same tools on every plan. Nothing is locked behind a higher price. The only differences are how long you get and how you pay.
DetailMonthly6-MonthAnnual
PriceMonthly$99 per month6-Month$497, one timeAnnual$899 per year
Average per monthMonthly$996-MonthAbout $83AnnualAbout $75
Average per dayMonthlyAbout $3.306-MonthAbout $2.73AnnualAbout $2.46
What you saveMonthlyPay as you go6-Month$97 versus six months of MonthlyAnnual$289 versus twelve months of Monthly
Renews on its ownMonthlyYes, until you cancel6-MonthNo. One payment, then it ends.AnnualYes, yearly. Cancel the renewal anytime.
Money-back promiseMonthly30 days from your first payment6-Month30 days from your paymentAnnual30 days from your first payment
Tools includedMonthlyAll of them6-MonthAll of themAnnualAll of them
Best whenMonthlyYou want to start small and see how it goes6-MonthYou want several full dispute rounds at a lower costAnnualYou expect a longer project or want the lowest daily cost

Per-month and per-day figures are averages, rounded. Plans are for your own credit file only. Certified mailing is optional and billed per letter at $12.95. It is not included in plan prices.

Try it with very little risk

  • Free first. Run the check-up before you pay anything. No account and no card.
  • 30-day money-back promise. Email us within 30 days of your first payment for a full refund.
  • You stay in control. You decide what is wrong, you approve every letter, and you choose how it is mailed: yourself, or by certified mail through us for $12.95 per letter.
  • Honest about results. No one can guarantee a score change or a deletion, and we don’t. You can always dispute directly with the bureaus for free.

Start with the free check-upThen pick the plan that fits.

Not sure which to choose? Run the free check-up first. It shows how many red flags you have, so you can pick the plan that fits.

See everything every plan includes

Find what may be wrong

  • Upload your credit report and AI reads every account
  • Metro 2 red flag scan across all three bureaus
  • Plain-English explanation of every red flag

Write your letters

  • AI dispute letters: bureau, creditor, verification follow-up, and identity theft
  • Debt collector letters under the FDCPA: dispute and ask for verification, or ask a collector to stop contacting you
  • Document checklist for every letter

Stay on track

  • 30-day response tracking and follow-up letters
  • Follow-up letters drafted automatically when a bureau says "verified"
  • Email reminders at every step
  • Progress dashboard and credit score tracker

Know your next move

  • Personalized action plan for your goal: home, car, apartment, or card
  • Member resource library: letter templates and calculators
  • English and Spanish
  • 30-day money-back promise

Every plan includes the 30-day money-back promise. You will see the full price and agree to it at checkout before you are charged. You can always dispute errors directly with each credit bureau for free.

Here’s the honest math.

If one error costs you a better rate, a better apartment, or a yes, then understanding your report in the next hour is the cheapest move you can make. Start with the free check-up. If it finds nothing, you lost a minute. If it finds something, you will know exactly what to do about it.

Show me what’s wrong, free

Results are not guaranteed, and no one can honestly guarantee them. You get clarity, a plan, and a 30-day refund promise.

Run a credit business?

The CreditIQ AI™ business workspace runs your client files, red flag scans, and AI-drafted letters from one dashboard. Founding businesses get Business Starter for $197 a month (first 25 only), and we move your clients over from Credit Repair Cloud for free.

See business plansLooking for a plan for your own credit? See individual pricing.

Questions people ask first.

Can CreditIQ AI guarantee a higher score or deletions?

No, and nobody honestly can. Accurate, timely information can legally stay on your report. CreditIQ AI helps you understand your report, find what may be wrong, and dispute it clearly and specifically.

Do you dispute on my behalf?

No. Individual members use CreditIQ AI's tools to dispute their own reports. You decide what's wrong, you approve every letter, and you choose how it is mailed: yourself, or by certified mail through us for $12.95 per letter. You can also dispute directly with each bureau for free.

What is a Metro 2 red flag?

Metro 2 is the standard format lenders and collectors use to report accounts to the bureaus. When the data in those fields contradicts itself, like a paid account with a balance, that's a sign something may be reported wrong.

Is the credit check-up really free?

Yes. Upload your report and see every red flag the scan finds, with no account and no card. We don't save your report. If you want help fixing what it found, plans start at $99 a month.

Can I upload my credit report?

Yes. Upload the PDF from annualcreditreport.com or a monitoring service, and AI reads every account. You review the list before anything is added.

Will the bureaus think a company sent my letter?

Your letters are your own disputes, written from facts you confirm, and sent from you with your ID and proof of address. That's the most reliable way to show a bureau the request is genuinely yours.

I run a credit repair business. How does CreditIQ AI help with CROA?

Each client file records the signed agreement, calculates the 3-business-day cancellation window, and locks disputes until it clears. Your contracts, disclosures, and billing are still your responsibility, including not charging before services are performed. Have your own counsel review your setup.

Where is my information stored?

In an encrypted, access-controlled database with an activity log. Only you, or your team for business accounts, can see your files.

Free check-up