SmartDispute.ai
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About
SmartDispute.ai offers an innovative credit repair system that utilizes proprietary AI technology to help users identify and dispute inaccuracies on their credit reports. The Smart Dispute System™ analyzes users' credit histories and prepares personalized dispute letters, keeping track of progress throughout the process. With a focus on affordability and efficiency, SmartDispute.ai aims to empower individuals to improve their credit scores quickly and independently, while providing support through multiple channels. Users can sign up for a monthly plan that includes unlimited disputes across all three major credit bureaus.
Platform
Task
Features
• user-friendly interface
• ai-based credit report analysis
• support through various communication channels
• progress tracking for disputes
• custom dispute letter generation
FAQs
What is credit repair?
Credit repair is the process of restoring or fixing a poor credit score by disputing negative marks on credit reports and building positive credit history.
Is credit repair legal?
Yes, credit repair is legal. Consumers have the right to accurate credit reports and to dispute negative claims.
How long does it take to repair my credit?
The duration varies based on severity. Generally, it can take several months to years to see significant improvements.
How much will my credit score increase?
Improving negative items can benefit credit scores within 30 to 90 days, but results vary based on individual circumstances.
Does signing up trigger a credit report inquiry?
No, signing up for SmartDispute.ai does not impact your credit report or score.
Can I still dispute negative items if the credit bureau has told me the debt has been validated?
Yes, you can dispute even if a credit bureau has validated the debt.
What if I already disputed my accounts online?
Many online disputes yield unsatisfactory results. SmartDispute.ai offers a more effective credit repair process.
How much does a negative item affect my credit score?
The impact varies; late payments can drop scores by up to 110 points, while bankruptcies can decrease scores by as much as 240 points.
Can a divorce hurt my credit score?
While divorce itself doesn't directly impact credit scores, related financial stresses can lead to missed payments.
What laws protect my credit?
The Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA) outline rights and procedures for credit reporting.
Pricing Plans
Monthly Plan
USD39.00 / per month• 3 bureau credit report smart import
• Credit scores from all 3 credit bureaus
• Access to in-depth credit repair articles and videos
• Support through online chat, text messages, email, and Facebook Messenger
• Unlimited disputes, including late payments, foreclosures, liens, charge-offs, judgments, bankruptcies, collections, repossessions, and hard inquiries
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