Creating a SmartDispute.ai account is free. Your credit reports, scores, and disputes come with a SmartMonitor.ai membership, which costs $49 a month and is billed by SmartMonitor.ai. As long as that membership is active, SmartDispute.ai is free to use, with unlimited disputes. You cancel at SmartMonitor.ai, and SmartMonitor.ai doesn’t offer refunds or prorated refunds.
This guide explains what each company provides, how billing works, how to update your card or cancel, and what happens to your account afterward.
Key Takeaways
- One price: $49 a month, billed by SmartMonitor.ai. SmartDispute.ai doesn’t charge separately.
- There’s no free trial. Creating an account is free, but reports and disputes need an active SmartMonitor.ai membership.
- You have two logins: one for SmartDispute.ai and one for SmartMonitor.ai.
- Billing, card changes, and cancellation all happen at SmartMonitor.ai.
- After you cancel, you keep full access until your Membership Active Until date.
What Your Membership Includes
| SmartMonitor.ai provides | SmartDispute.ai provides |
|---|---|
| Your Equifax, Experian, and TransUnion credit reports, refreshed monthly | Your three reports imported side by side in your Smart Report |
| VantageScore 3.0 credit scores from all three bureaus | Score history over the life of your membership |
| Credit monitoring and alerts | The patented Smart Dispute System®, which compares your reports and ranks dispute opportunities |
| Identity verification with the credit bureaus | Suggested disputes for you to review, change, and mail, with no limit on how many |
| Billing for the $49 monthly membership | Smart Track for your dispute rounds, free mailing on request, and support by chat, email, phone, and Facebook Messenger |
Why Does SmartDispute.ai Use SmartMonitor.ai?
SmartDispute.ai needs complete, structured data from all three bureaus to compare them. SmartMonitor.ai delivers each bureau’s report in a consistent format, including month-by-month payment history, so the Smart Dispute System can line up the same account across Equifax, Experian, and TransUnion and spot where they differ.
Free reports from AnnualCreditReport.com are worth reading, but each bureau formats its report differently and delivers it as a document, not data the software can analyze. Here’s how to read each bureau’s report yourself.
How Does Billing Work?
- SmartMonitor.ai charges $49 to your card each month on your billing date, and the membership renews automatically until you cancel. SmartMonitor.ai emails you a reminder 7 days before each billing date.
- The charge covers both SmartMonitor.ai and SmartDispute.ai. There’s no second bill.
- Each person needs their own membership. Spouses and partners can’t share one, because each person’s credit file and disputes are separate.
Is There a Free Trial?
No. SmartDispute.ai doesn’t offer a free trial or a free version. Creating a SmartDispute.ai account is free, but you need an active SmartMonitor.ai membership to import your reports and create disputes.
How Do I Change the Card I Pay With?
- Log in to SmartMonitor.ai and open the menu in the upper-right corner.
- Select My Account, then scroll to Your Payment Information.
- Click Add new primary payment option and enter your new card.
If SmartMonitor.ai can’t charge your card, your membership isn’t active, and SmartDispute.ai can’t import new reports. Update your card at SmartMonitor.ai, or contact us at [email protected] if you need help.
How Do I Cancel?
You cancel at SmartMonitor.ai, because SmartMonitor.ai handles billing:
- Log in to SmartMonitor.ai and go to your account information in the upper-right corner of the page.
- Go to My Account and scroll to Billing History.
- Click Cancel Membership.
You can also call SmartMonitor.ai at 888-354-7731 (SmartMonitor.ai).
Can I Get a Refund?
No. SmartMonitor.ai doesn’t offer refunds or prorated refunds when you cancel. If you cancel partway through a month, you still have full access until your Membership Active Until date.
What Happens to My SmartDispute.ai Account After I Cancel?
You keep full access until your Membership Active Until date. After that, your SmartDispute.ai account switches to view-only, so you can still see your past reports and disputes, but you can’t import new reports or create new disputes.
Why Do I Have Two Logins?
SmartDispute.ai and SmartMonitor.ai are separate companies, so each has its own login. When you sign up, you create your SmartMonitor.ai login, and SmartDispute.ai stores it so it can import your reports each month. If you change your SmartMonitor.ai password, update it in SmartDispute.ai under My Account, then Account Settings, or your reports will stop updating.
Frequently Asked Questions
How much does SmartDispute.ai cost?
$49 a month, billed by SmartMonitor.ai. That includes your three-bureau reports and scores, credit monitoring, and unlimited disputes in SmartDispute.ai.
Is SmartDispute.ai free?
Creating an account is free, and SmartDispute.ai is free to use with an active SmartMonitor.ai membership. The membership is $49 a month.
Can I use SmartDispute.ai with my own credit reports?
No. SmartDispute.ai imports your reports from SmartMonitor.ai. It can’t analyze reports you upload or download elsewhere.
Why can’t I find billing in SmartDispute.ai?
Billing lives at SmartMonitor.ai. Log in there to see your billing history, change your card, or cancel.
When will I be charged?
On your monthly billing date, which you can see in your SmartMonitor.ai account.
Will I get a reminder before I’m billed?
Yes. SmartMonitor.ai emails you a reminder 7 days before your next billing date.
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.
