How Credit Hack AI works
At the highest level, it's four steps on a 30-day loop.
1. Pull your reports
Pull your three bureau reports from the consumer portals — Equifax, Experian, TransUnion. Free annual pulls are at annualcreditreport.com.
2. Get your letter package
After upload, you receive a complete letter package — one letter per bureau and one per furnisher, citing the correct sections of the FCRA or FDCPA for each item.
3. Review, sign, and mail
You review every letter, edit anything that needs editing, sign your name, and mail the package yourself. See why you mail the letters.
4. Wait the 30-day window
Under FCRA §611, the bureaus have 30 days to investigate. When the window closes, you upload your fresh reports for the next round. See the 30-day cycle, explained.
What changes round to round
The first round disputes inaccuracies on accuracy and verifiability grounds. Later rounds escalate based on what each bureau and furnisher said in the prior round. See what happens after the bureaus respond.
For tier and pricing details, see the pricing section.
Last updated 11 days ago.
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Related
- 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, explainedWhy 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 respondThe four outcome buckets — deleted, updated, verified, no response — and what each one means.
- Why you mail the lettersYou print, sign, and mail your own dispute letters. There are good reasons for that.