Get the credit
score You deserve

Now you can repair your own credit instead of relying on expensive credit repair agencies.
Now you can repair your own credit instead of relying on expensive credit repair agencies.

About Us

We’re a team of software engineers, data geeks, and credit repair experts passionate about helping you get the credit you deserve.

We created a unique dispute system that removes the complexity and cost from credit repair. Now it’s fast. And it’s easy.

Proprietary Technology

Our proprietary Smart Dispute System is a patented artificial intelligence technology that simplifies the credit dispute process. It’s the most effective credit repair system on the planet.


Credit repair agencies have one goal: keep you as a paying customer for as long as possible. You have different goals: improve your credit as quickly and efficiently as possible. smartdispute.ai is the engine built to help you reach your goals.

You’re In Control

If you’ve dealt with credit repair agencies in the past, you know how frustrating it is when they’re slow or non-responsive. smartdispute.ai puts you in control by finding and helping you remove the accounts that are hurting your credit.

Frequently Asked Questions

What is credit repair?
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.
Can bad credit be corrected or deleted?

If you’re struggling to increase your credit score, you will be happy to know that bad credit is correctable.

How long does credit repair take?
This will largely depend on your financial situation. If you have a lot of credit errors showing up on your report that can’t be disputed because you do owe the debt, then the process could take up to several years. However, if you have a minimal amount of negative remarks that can be removed through a dispute, then the process can be much shorter, and you can see your credit improve in a matter of 3 to 6 months.
Does credit repair work?

Whether you decide to repair your credit yourself or decide to work with a credit repair company, there is no doubt that the credit repair process works.

Is credit repair expensive?

Credit repair doesn’t need to be expensive. If you choose to go at it alone, there will be minimal expenses associated with the process. However, if you don’t have the time or interest to tackle the process on your own, then hiring a credit repair company to help you might be an excellent option.

Should I hire a credit repair company or do it myself?

This will ultimately depend on your circumstances. If you’re very busy and do not have enough time to dedicate to the process, then you might be better served by having a credit repair company take care of it for you.

When should I start repairing my credit?

If you have bad credit, you should start the credit repair process as soon as possible. Having bad credit can seriously impact your financial wellbeing.

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). It’s a good idea to brush up on what your rights are, especially if you’re wanting to repair your credit.

How much will my credit score increase?

If you have a history of good credit but have negative items on your credit report, repairing those items will positively impact your credit within 30 to 90 days. For those with limited history and negative items, it will require successfully repairing the items hurting your score and then obtaining additional credit to increase your score over time. For most people, credit scores vary from month to month. When you begin the credit repair process, your scores can take a dramatic leap forward. But we’ve also had clients see their credit scores decrease for the first months of the dispute process. Our experience shows that consistency is the key and that’s why we recommend being patient for at least 6 months.

What is a negative item?

A negative item is any negative event or incident that has been reported on a credit report. This can include late or missed payments on credit cards, car loans, or mortgages. Having too many negative items on a credit report can significantly reduce your credit score. Luckily, many of these items can be disputed if they are not accurate.

Do negative items stay on my credit forever?

While it may seem like they can, negative items usually last for 7 to 10 years before being removed from a credit report. This is a considerable amount of time. That’s why it is best to tackle the problem head-on by working to repair your credit.

What are removals?

Removals are negative items for a credit report that are deleted or withdrawn from a credit report completely. Under the law, credit bureaus and creditors are required to remove any negative events that cannot be proven to be accurate. If a negative item can’t be proven, then by law it will need to be removed. The removal of a negative event can significantly boost your score which is why it is important to dispute erroneous claims.

Can I still dispute negative items if the credit bureau has told me the debt has been validated?

Absolutely. Most credit repair agencies and do-it-yourselfers have come to believe that “debt validation” should be an important dispute priority. Our Smart Dispute System 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.

What can be removed from my credit report?

Anything that is inaccurate, not fair, or not verified on a credit report can be challenged by credit bureaus and individual consumers. This includes items such as collections, late payments, charge-offs, liens, bankruptcies, repossessions, and more.

What if I already disputed my accounts online?

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’ve probably found SmartDispute.ai because 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 and whether you’re just starting or have been attempting to repair your credit for a long time, we invite you to sign up now.

How much does a negative item affect my credit score?

Negative items vary in the amount in which they can negatively affect your score. Late payments have been shown to drop a consumer’s credit score by up to 110 points.

Debt settlements can drop your score up to 125 points, foreclosure up to 160 points, and bankruptcy can drop your score as far as 240 points. Collections, on the other hand, will only drop your score up to 110 points, and hard inquires come in with the least impact, only dropping a consumer’s score up to 15 points.

Can deleting a negative account hurt my credit score?

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.

Can a divorce hurt my credit score?

While divorce in itself won’t hurt directly hurt your credit score, some of the after-effects of divorce certainly have the potential to damage your credit. Because divorces are often stressful, it is not uncommon for people to miss a payment during the divorce process. After all is said and done, it can be unclear as to who owes the debt, which can lead to a missed or late payment. Events like this will negatively impact your score, which is why divorces can oftentimes be detrimental to an individual’s credit score.

What if I’m a victim of identity theft?

The credit bureaus take this claim seriously and the law requires them to act quickly. Unfortunately, false claims of identity theft are common in the hopes of removing legitimate accounts from credit reports. Please include a police report with your identity theft letter so the credit bureaus take immediate action.

What laws protect my credit?

Thankfully many laws can protect a consumer’s credit. The two most utilized laws come under the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). Both of these laws serve as the standard for how credit should be reported and outline the policies and procedures relating to credit repair.