Tell us your goal
Choose personal or business credit and answer three short questions.
Your credit. Your next step.
Credit repair, simplified. Disputes made easy.
Create your credit action plan, customize letters to dispute report errors, and track your next steps.
Free plan + 3 template-letter downloads per month.
No credit card required. No credit report upload.
How it works
Your credit plan. Three simple steps.
Preview your plan
See practical next steps before you create an account.
Save and take action
Track your progress. For personal report errors, customize a letter and download it to review and send.
For personal report errors
Dispute letters, without the blank page.
Choose from 30 templates, add the facts about your report error, and download a draft to review and send yourself.
Try a letter previewYou stay in control
Your facts. Your final review.
- No credit report upload required
- Review and send each letter yourself
- Track dispute statuses in your workspace
We don’t contact bureaus for you or guarantee removals or score increases. See how your information is used.
Simple pricing
Start free. Choose more tools when you need them.
Free
$0
Your starting point for personal or business credit.
- One saved plan with progress tracking
- 30 personal dispute letter templates
- 3 template downloads per month
- Manual dispute status tracking
No credit card required.
Plus
$9.99 / month
More room to organize your plans and draft your letters.
- Multiple saved personal or business plans
- Unlimited personal template downloads
- 5 AI-assisted personal letter drafts per month
- Progress and dispute tracking
Paid subscriptions are coming soon. Your free tools are available now.
Download and AI allowances reset on the first day of each month at 00:00 UTC. AI drafts and dispute letter templates are for personal credit reports.
Before you start
A few helpful answers.
What can I do for free?
Preview a credit action plan, create an account to save it, track your progress, and customize personal dispute letter templates. The free plan includes three template-letter downloads per UTC calendar month. After that, template access unlocks again next month.
Do you send dispute letters for me?
No. You customize and review each draft, add supporting records, and send it yourself. AI CreditLab does not contact credit bureaus or creditors on your behalf.
Do I need to upload my credit report?
No credit report upload is required. Start with your goals. If you prepare a dispute, enter the specific error and facts you want the recipient to review.
Can you guarantee a higher score or remove accurate information?
No. These tools help you organize your steps and prepare letters about information you believe is inaccurate. Outcomes depend on your situation; accurate negative information is not guaranteed to be removed.
What does the paid plan add?
The $9.99 monthly plan adds multiple saved plans, unlimited personal template downloads, and five AI-assisted letter drafts per UTC calendar month. Template letters use a structured format; AI drafts use your entered facts to suggest wording. You review every draft before sending.
Are business credit tools included?
Yes. You can create a business credit action plan focused on setup, banking, payment history, and financing preparation. The dispute letter tools are for personal credit reports.
Start with one clear next step.
Preview your plan. Save it when you’re ready.
Create my free plan