Dispute AI Review 2024: What It Is, How to Use It & Is It Worth It?

Fix your credit and increase your credit score.

Dispute AI logo

Imports your 3 bureau credit report without creating a hard inquiry

Uses AI to identify accounts that are hurting your credit

Helps you create effective disputes

Dispute AI Description

Dispute AI is a credit repair tool that uses Artificial Intelligence to help you fix your credit and increase your credit score. It automatically imports your 3 bureau credit report, identifies which accounts are hurting your credit, and helps you create powerful disputes to remove them. With Dispute AI, you can easily create effective disputes for all 3 credit bureaus and track your results over time.

Starting price


  • Free plan
  • Paid
  • Free trial

Dispute AI Detailed Review

Dispute AI is a tool that takes the hassle out of credit repair. Instead of spending hours studying your credit report and trying to figure out how to delete accounts, Dispute AI does the heavy lifting for you. It uses Artificial Intelligence to automatically import your 3 bureau credit report, identify which accounts are negatively impacting your credit, and help you create powerful disputes to remove them. The tool is designed to be user-friendly and easy to navigate, so you don't need to be a tech whiz to use it.

One of the standout features of Dispute AI is its letter generator. This feature helps you create effective dispute letters based on consumer protection laws. These letters are often more successful at getting accounts permanently deleted than online disputes. Plus, because you're sending the disputes yourself, there's less chance of them being rejected by the credit bureaus.

Dispute AI also offers a tracking feature, which is a big plus. Every month, the tool imports your new 3 bureau credit report and shows you which accounts were deleted and what your new credit scores are. If an account wasn't deleted, Dispute AI suggests a new strategy for additional disputes. This feature makes it easy to see your progress and understand how your actions are impacting your credit score.

While Dispute AI has a lot of positives, it's not without its drawbacks. The tool requires some effort on your part - you'll need to send the disputes yourself and follow up on them. This might not be a big deal for some people, but if you're looking for a completely hands-off solution, Dispute AI might not be the best fit for you.

In terms of pricing, Dispute AI keeps it simple. There is a single flat monthly subscription fee of $34.99 which gives you access to all the features. This might seem steep, but the pricing is minimal compared to what a credit repair company would charge, making it a cost-effective solution for those looking to improve their credit score.