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Answers to the questions people ask before they sign up for Credit Hack AI. If nothing here covers yours, email support@credithackai.com or open a support ticket.

OverviewSee all →

What is Credit Hack AI? — A tool for people who want to repair their own credit instead of paying a credit-repair company to do it for them.
Who is Credit Hack AI for? — Individuals repairing their own credit, and agencies who manage clients on their behalf.
What this is not — To set expectations — what Credit Hack AI doesn't do and what other tools to use for it.
What do I need to get started? — The three bureau reports, a printer or a pile of stamps, and about ten minutes of attention per month.
How long until I see results? — Realistic ranges. First responses 30-45 days; meaningful score moves 60-120 days; full file cleanup often 4-6 cycles.

How Credit Hack AI works — A four-step loop on a 30-day cycle. Reports in, letters out, you mail, you wait, you repeat.
What does the AI actually do? — AI helps you draft and prepare dispute letters. You review every letter and you mail every envelope.
The 30-day cycle, explained — Why credit disputes run on a 30-day loop, what each cycle accomplishes, and what changes between cycle 1 and cycle 6.
What happens after the bureaus respond — The four outcome buckets — deleted, updated, verified, no response — and what each one means.
Why you mail the letters — You print, sign, and mail your own dispute letters. There are good reasons for that.

Plans and billing — What each tier covers, how billing works, and how to switch.
Refunds and cancellation — How to cancel, what is refundable, and what happens to your data on cancel.
Self-serve vs Agency tiers — Which tier fits you — individual plans for self-repair, agency plans for businesses managing clients.
Why there's no free trial — Credit disputes don't fit inside a trial window. Here's the honest reason — and how the pricing reflects that.
What counts as a cycle? — A cycle is one full round through the bureau's 30-day response window. Here's the precise definition.

Is this legal? — Yes. Credit disputing is a consumer right under the FCRA. What the law actually says.
FCRA basics — A consumer-friendly tour of the Fair Credit Reporting Act sections that show up in every dispute.
How we protect your data — Encryption at rest and in transit, MFA-enforced staff access, an immutable audit log, and soft-delete with recovery.
FDCPA basics — The federal law that governs debt collectors. What they can and can't do, and what you can do when they don't.
CROA and software — How the Credit Repair Organizations Act applies to credit-repair companies — and why software you use yourself isn't one.

Frequently asked questions — Short answers to the questions we see most often.
Will disputing hurt my credit score? — No — disputing itself doesn't lower your score. Here's what could, and how to avoid it.
What if I already paid the debt? — Paying a debt doesn't remove it from your report. Disputes still apply on accuracy grounds.
What if the item really is mine? — Accuracy is the standard, not ownership. An item being yours doesn't mean it's reported correctly.
Medical debt disputes — Recent CFPB and bureau rules removed most medical debt from credit reports. Here's what's still reportable and how to push back on what shouldn't be.