Dispute AI Review 2024: What It Is, How to Use It & Is It Worth It?
Fix your credit and increase your credit score.
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
Starting price
34.99
- 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.
