What do I need to get started?
Before you sign up, gather the following:
- Your three bureau reports. You can pull them free at annualcreditreport.com. One PDF per bureau — Equifax, Experian, TransUnion — exported directly from the bureau's consumer portal.
- A way to mail certified letters. Either your own printer + certified mail envelopes from the post office, or a mail service that prints and ships for you. You file your own dispute, see why you mail the letters.
- About ten minutes a month. First cycle takes a little longer because of intake. After that, each 30-day cycle is a quick review-and-mail loop.
You don't need to know FCRA or FDCPA citations, which letter kind to use for each dispute, or which statute of limitations applies in your state — that's what Credit Hack AI handles. You bring the reports and the willingness to mail the letters.
Last updated 11 days ago.
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- 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 notTo set expectations — what Credit Hack AI doesn't do and what other tools to use for it.
- 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.