AI-Powered Credit Repair
Fix Your Credit. On Your Terms.
Professional dispute letters, AI-powered strategy, and real-time 3-bureau tracking — all in one platform. Start free, no credit card required.
Try It Free Right Now — No Signup Required
Generate Your First Dispute Letter in 60 Seconds
Step 1 — Select the item you want to dispute:
Real Member Results
Watch Your Scores Climb
From where you are today — to where you deserve to be.
Credit Score
Mortgage Score
Auto Score
Scores shown are illustrative of typical member results. Individual results will vary.
Here's the Truth
How Many Times Have You Been Denied?
Every rejection. Every “sorry, you don't qualify.” Every time someone made you feel less than.
Here's what they're not telling you: You don't need a middleman to fix your credit. You can do this yourself.
Credit repair companies want you to believe this is complicated. That you need them to handle it for you. That you can't possibly understand the process.
But when YOU send dispute letters, bureaus are legally required to investigate. They can dismiss letters from credit repair companies. They can't dismiss yours.
Same professional letters. Same federal law citations. Same results.
The only difference? You're in control. You see everything. You move at your speed. You own the process.
You've always had this power. Now you have the tools.
Federal Law Protects Consumer Disputes
Bureaus must investigate when YOU send the letters
Five Steps. Forty Days. Done.
You've been working hard. You deserve better than constant rejection. The problem isn't you. It's your credit file not showing who you really are. Here's how to fix it:
Link Your Credit Report
AI pulls full 3-bureau report. No hard inquiry. 60 seconds.
- •Instant analysis of every account
- •AI spots what's killing your score
- •Everything ready to dispute
Add Photo ID & Proof of Address
Required before first dispute. Creditily attaches automatically to every letter.
- •Without ID, bureaus can refuse your dispute
- •Legal requirement for security
- •One-time setup, used forever
AI Builds Your Strategy
AI scans 20+ types of errors. Priority ranking, suggested reason, professional letters.
- •Duplicate accounts, re-aged accounts
- •Incorrect status, charge-off errors
- •Technical violations, documentation gaps
You Send. Bureaus Respond.
One letter per bureau with ALL accounts combined. ID auto-attached. Emailed to you.
- •Laws written in 1970s — physical mail is stronger
- •Online disputes are weaker legally
- •Print, sign, mail in 10 minutes
40-Day Auto-Import & Strategic Follow-Up
Every 40 days, Creditily auto-imports updated reports. Shows Repaired/Deleted.
- •AI suggests Round 2, 3, 4, 5 strategies
- •See exactly what got deleted
- •Score change visualization
Continue Until You Win
Multiple rounds are normal. AI adapts each round for highest probability of success.
- •Round 1: Initial disputes
- •Round 2: Escalated strategy
- •Rounds 3-6: Continue until score climbs
Your Credit Repair Journey
Week 1
Setup & Send
Upload ID, Connect, Generate letters
Week 2
Mail Letters
Print & sign, Mail (10 min)
Week 6
Round 1 Results
See what got deleted, AI suggests next moves
Week 12
Round 2 Results
Create Round 2 letters, Send again
Month 6
Final Score
Keep going until you win
Week 1
Setup & Send
Week 2
Mail Letters
Week 6
Round 1 Results
Week 12
Round 2 Results
Month 6
Final Score
Real People. Real Results.
Real people using professional tools to fix their credit on their timeline.
Highly Rated Platform
Trusted by thousands
Save Thousands
DIY vs. traditional services
High Success Rate
Items removed or updated
Jennifer K.
Valley Stream, NY
“The AI tools showed me exactly what to dispute and why. I got results within weeks and saved thousands compared to hiring a company. Finally in control of my credit.”
Marcus T.
Dallas, TX
“I tried fixing my credit on my own but got nowhere. Creditily's strategy engine made the difference. Clear guidance, professional letters, real results.”
David R.
Phoenix, AZ
“The AI is crazy smart. Told me exactly what to dispute first and why. The 'Suggested Reason' feature saved me so much time. Better than any 'expert' I paid $3,000+ to before.”
Amanda S.
Denver, CO
“Complete transparency from start to finish. I see every letter, control the timeline, and track progress in real time. This is how credit repair should work.”
Individual results vary. Testimonials don't guarantee future results. Success depends on item accuracy and bureau responses.
Challenge Anything That's Wrong
If it's inaccurate, incomplete, or can't be verified, you can dispute it. Federal law.
Quick Legal Note
You can dispute items that are:
- Inaccurate (wrong info)
- Incomplete (missing details)
- Unverifiable (can't be proven)
- Reported wrong (technical violations)
You can't remove accurate info just because you don't like it.
But: Over 80% of credit reports have at least one account with errors. Most items have technical errors buried in code. Our AI finds these automatically.
Why People Win Using Creditily
Professional tools built for real people. Not complicated. Not expensive. Just results.
Federal Law Works for You
Your disputes carry the most legal weight.
When you send dispute letters yourself, bureaus are required by federal law to investigate. Consumer disputes get priority treatment. This is your legal right. We just make it easy to use.
Truly Unlimited
No caps. No games. No fine print.
Dispute 1 item or 50 items. All 3 bureaus at once. As many rounds as it takes. Same price whether you need a little help or a complete overhaul.
Your Timeline, Your Control
Move at the speed that works for your life.
Send disputes when you are ready. Check results whenever you want. Go fast or take your time. You are never waiting on anyone else. You are never just a case number.
Complete Transparency
See everything. Understand everything.
Every strategy. Every letter. Every step explained in plain language. You know exactly what is happening and why. No confusion. No wondering.
AI Handles the Complexity
Smart technology doing the heavy lifting.
Our AI scans for 20+ types of errors automatically. It recommends the best strategy for each item. It tracks everything across all 3 bureaus. You get expert-level analysis without needing to be an expert.
Knowledge You Keep Forever
Learn the system once. Own it for life.
This is not about staying dependent on us. This is about giving you the skills to handle your credit forever. Fix it now. Know how to protect it later. Build real financial confidence.
CREDITILY PRO
$39.99 a month. Professional credit repair tools that put you in complete control.
You are not paying for someone else to do something you can do yourself. You are investing in tools that give you the power, knowledge, and control to fix your credit on your terms.
ONLY
Everything You Need:
- Unlimited Disputes (All 3 Bureaus)
- AI-Powered Strategy Engine (20+ Error Types)
- Professional Letter Generator
- Real-Time 3-Bureau Dashboard
- 40-Day Automatic Report Imports
- Multi-Round Strategic Disputes
- Complete Progress Tracking
- Full Video Training Library
- 3-Bureau Credit Monitoring Included
- Cancel Anytime (Zero Penalty)
30-Day Money-Back Guarantee | No Contracts | Cancel Anytime
Also Included:
- $1 Million Identity Fraud Insurance
- Credit Monitoring & Alerts
- PrivacyMaster®
What This Actually Costs You
Creditily (6 months):$239.94
Traditional services:$774 to $1,200+
The difference:$534 to $960
- • Complete control over your timeline
- • Full visibility into every dispute
- • The knowledge to handle this forever
30-DAY MONEY-BACK GUARANTEE
Try Creditily for 30 days. If it is not everything we said it would be, we will refund you completely.
No questions. No hassle. Just email us.
What Happens After You Join
Today: Create your account. Link your credit report. Upload your ID. Generate your first dispute letters.
This week: Print, sign, and mail your letters. The software tracks everything from here.
40 days from now: Creditily imports your new reports and shows exactly what changed.
3 to 6 months: Continue strategic rounds until your score reflects who you really are.
Two different futures:
In one, you keep waiting. Wondering when things will change. Watching opportunities pass by because your credit does not show who you really are.
In the other, you take control. You learn the system. You fix it yourself. You move at your speed.
That house you have been working toward? You will qualify.
That business you are building? You will get funded.
That freedom you have earned? It is closer than you think.
Good credit is not just a number. It is doors opening. It is opportunities showing up. It is your life finally matching your effort.
Your credit. Your timeline. Your control.
Questions? support@getcreditily.com
Cancel anytime • No contracts • 30-day guarantee
People Using Creditily Save an Average of $2,500
And keep 100% control of their credit repair process
See how much you'd save with Creditily:
Why Taking Control Works Better
| Feature | Hiring Someone Else | Creditily (You in Control) |
|---|---|---|
| Monthly Cost | $89 to $129 | $39.99 |
| 6-Month Total | $534 to $774 + setup | $239.94 |
| Monthly Limit | 2 to 3 disputes | Unlimited (you decide) |
| Bureau Rules | Can reject company disputes | Must investigate your disputes |
| Who Sends | The company | YOU (stronger legally) |
| Visibility | Black box | See everything |
| Technology | Generic templates | Smart AI (20+ error scan) |
| Strategy | One approach | Multi-round escalation |
| Timeline | Their schedule | Your schedule |
| Learning | Stay dependent | Master it forever |
| Training | Rarely | Complete library |
| Contracts | 6 to 12 months | Cancel anytime |
| Knowledge | They keep it | You own it |
| Updates | When they get around to it | Every 40 days (automatic) |
Monthly Cost
6-Month Total
Monthly Limit
Bureau Rules
Who Sends
Visibility
Technology
Strategy
Timeline
Learning
Training
Contracts
Knowledge
Updates
Taking control means better results, more power, and complete independence.
Everything You Need. Nothing You Don't.
Professional tools that put you in control of your credit repair process.
AI-Powered Dispute Letters
Professional letters generated in seconds. Citing actual federal law.
- •8 dispute letter types (collections, late payments, etc.)
- •Metro 2 format compliance
- •FCRA and FDCPA citations automatically included
- •Emailed to you ready to print and mail
Automatic Report Imports
Every 40 days, Creditily pulls your updated reports automatically.
- •Timed by federal law (30-day response + mail time)
- •AI compares old vs new reports
- •Shows exactly what changed
- •Tracks "Repaired" and "Deleted" items
3-Bureau Dashboard
All three credit bureaus. One screen. Real-time sync.
- •Import from Experian, Equifax, TransUnion
- •Side-by-side bureau comparison
- •No juggling multiple logins
- •Soft pull (no impact on score)
Multi-Round Strategy Engine
AI suggests Round 2, 3, 4, 5 strategies based on results.
- •Escalation tactics when items are not deleted
- •Different approach for each round
- •Tracks what you have tried
- •Success probability ranking
Progress Tracking & Visualization
Charts, graphs, and score change tracking over time.
- •Visual timeline of your credit repair journey
- •Score movement arrows
- •Before/after report comparisons
- •PDF copies of all historical reports
ID Document Management
Upload once. Auto-attached to every letter forever.
- •Photo ID (driver's license, passport, state ID)
- •Proof of address (utility bill, bank statement)
- •Required by bureaus for security
- •Never re-upload
Time to Decide
You Know What You Need to Do
You can keep doing what you've been doing. Keep getting denied. Keep watching others win while you're stuck.
Or take control. Same tools the expensive companies use. Your timeline. Your control. Way better price.
That house? You'll qualify.
That business? You'll get funded.
That freedom? It's closer than you think.
Good credit isn't just a number. It's doors opening. It's opportunities showing up. It's your life finally matching your effort.
Your move.
Questions? support@getcreditily.com