Repair your own credit using the power of artificial intelligence

Credit repair is the process of restoring or fixing a poor credit score. It can be done by disputing negative marks on your credit reports and by building a positive credit history.

Credit repair is legal. As a consumer, you have the right to have an accurate credit report. Filing disputes to remove negative claims is perfectly legal and necessary to ensure that any erroneous remarks are removed. A lot of your rights when it comes to your credit are thanks to the Fair Credit Reporting Act (FCRA). 

The length of time it takes to repair credit can vary depending on the severity of the credit damage and the specific steps taken to address the issues. In general, the credit repair process can take anywhere from several months to several years. It’s important to approach credit repair with patience and persistence, as it can take time to see significant improvements in credit scores and creditworthiness.

If your credit history has been positive but your credit report shows negative items, repairing those items can have a positive impact on your credit within 30 to 90 days. However, if you have limited credit history and negative items, you will need to repair the items that are negatively affecting your score and then obtain additional credit over time to increase your score. It is common for credit scores to fluctuate from month to month, especially during the credit repair process. While some clients may experience a significant increase in their credit scores at the start of the process, others may see a decrease in scores during the dispute process. Consistency is key, and we recommend being patient for at least 6 months to see significant improvement in your credit.

No. There is no impact to any part of your credit report or score by signing up for smartdispute.ai.

Absolutely. Most credit repair agencies and do-it-yourselfers have come to believe that “debt validation” should be an important dispute priority.  smartdispute.ai does not rely much on this outdated strategy. The artificial intelligence written into our Smart Dispute System takes a much more reliable path of disputing actual data from your 3 bureau credit report instead of more legalistic dispute strategies such as debt validation.

If you’ve already disputed an account online without success, join the crowd. A majority of credit report disputes are completed online with few positive results. If you’ve tried to repair your credit online with the three credit bureaus,  you’re looking for a credit repair process that’s more effective. smartdispute.ai was built and is managed by people who have experienced your frustration with the credit repair process. Whether you’re just starting or have been attempting to repair your credit for a long time, we invite you to sign up now.

In general terms, no. Deleting collections or charge-off accounts is almost always a positive move for your credit score. Deleting an account you’ve recently closed, but that has been on your credit report for several years can negatively impact your score. It’s important to keep in mind that removing negative items from your credit report will almost always improve your score. When it doesn’t, it will allow you to work on improving your credit much more quickly.