SmartDispute.ai has five main areas: Smart Report for your credit reports, Smart Dispute for creating disputes, Smart Track for managing your letters, Smart Learn for articles, and My Account for your settings. Your Dashboard, the page you see when you log in, pulls the highlights together: your scores, your account categories, your dispute activity, and your score history. Click the SmartDispute.ai logo anytime to return to it.
Key Takeaways
- The Dashboard isn’t a menu item. Click the SmartDispute.ai logo to get back to it.
- My Account holds Account Settings and Sign Out.
- Account Settings has three sections: your SmartMonitor.ai login, your profile, and security.
- Your profile name and address go on your letters; your email and phone number never do.
The Main Menu
| Menu item | What it’s for |
|---|---|
| Smart Report | Your three credit reports side by side, with scores, tabs by category, and every account’s details. Here’s how to read your Smart Report. |
| Smart Dispute | Where you create disputes: choose a category, choose accounts, and review the suggested letters |
| Smart Track | Your letters, from download and mailing through results. Here’s how to create and track disputes. |
| Smart Learn | Articles on disputing each type of item and using SmartDispute.ai |
| My Account | Account Settings and Sign Out |
Your Dashboard
The Dashboard is the first page you see each time you log in:
- Credit Scores: your VantageScore 3.0 scores from TransUnion, Equifax, and Experian, on a 300 to 850 scale, with the date your reports were last pulled.
- Credit Categories: counts of your accounts by type, including all accounts, late payments, collections, charge-offs, inquiries, and public records. The category drives which dispute SmartDispute.ai suggests.
- Smart Track: an overview of your letters, from new to active to completed. It’s empty until you create your first disputes.
- Score History: your scores month by month, updated each time new reports arrive while your membership is active.
My Account
Account Settings
Account Settings has three sections. Click Save after any change.
| Section | What it holds | Why it matters |
|---|---|---|
| SmartMonitor.ai membership login | Your SmartMonitor.ai username and password | SmartDispute.ai uses it to import your reports each month. If you change your SmartMonitor.ai password, update it here. |
| Account Profile | Your name, address, email, and phone number | Your name and address go on every letter, so use your current address, the one on your ID or proof of address, and capitalize it correctly. Your email and phone never appear on letters. |
| Security | Your SmartDispute.ai password and date of birth | Change your password here, and check that your date of birth is correct. |
Sign Out
Sign out when you’re done, especially on a shared or public computer.
Frequently Asked Questions
Where do I change my SmartMonitor.ai password?
At SmartMonitor.ai. Then update it in SmartDispute.ai under My Account, then Account Settings, so your reports keep importing.
Where do I find billing?
At SmartMonitor.ai, not in SmartDispute.ai. Here’s how billing and cancellation work.
Why is Smart Track empty?
It fills in after you create your first disputes.
How often do my scores update?
Monthly, when new reports arrive from SmartMonitor.ai.
Need Help?
Contact us by chat, by email at [email protected], by phone at (910) 597-2636 Monday through Friday from 9 a.m. to 5 p.m. Eastern Time, or on Facebook Messenger.
