Dispute AI
Features
- Imports Equifax, Experian and TransUnion reports via soft inquiry
- Scans reports for negative items like late payments, collections and bankruptcies
- Recommends dispute strategies by account type
- Drafts dispute letters citing consumer protection laws
- Downloadable letters or optional physical mailing to the bureaus
- Monthly report refresh to track deleted items and update next steps
- Score tracking dashboard
Pricing Details
💰 Pricing Model Item Details: Free Platform Access / Bureau Subscription and Mailing Paywalls. General Concept: The underlying Dispute AI® software is completely free to use. However, the service requires an active subscription to a integrated 3-bureau credit monitoring service to continually pull your reports, alongside standard postage fees if you opt to use their automated mailing service. 🆓 Free Plan Details Feature: Software Access. Details: The visual dashboard, AI dispute analysis, and letter generation features are 100% free to access. Users can draft unlimited letters and download them to mail themselves. Cost: Free ($0). 💳 Integrated Costs & Add-ons (Official 2026 Standards) While the generator tool is free, running the software requires active credit data feeds and postage. Required Add-On / Service Standard Rate Coverage & Workspace Allowances 📬 Individual Letter Mailing ~ $1.00 – $1.50 per letter (Optional) Pay-as-you-go. Covers printing, envelope packaging, and standard USPS postage. 📊 Integrated Credit Monitoring Pricing varies by credit partner(Typically $19.95 - $29.95/month) Pulls refreshed credit reports from Experian, Equifax, and TransUnion every 30 days to track deletions.