Who is Credit Hack AI for?
Individuals
Built for people repairing their own credit. If you have looked at your report and know something on it is inaccurate — wrong balances, duplicates, accounts that should have aged off, collectors that don't belong to you — this is the fastest path from "I see the problem" to "letters are in the mail."
People who almost paid a credit-repair company
If you were one click away from paying a traditional credit-repair service $99–$299 a month and walked away at the last second, the CHAI tier covers similar work for a fraction of the cost — with you in the driver's seat.
Credit-repair agencies
If you run a credit-repair organization and manage clients on their behalf, CHAI Agency and CHAI Agency Pro support multi-seat team access, a client roster, and (on Pro) whitelabel branding under your own logo and business name. Details on the plans page and tier comparison on self-serve vs Agency.
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.
- What this is notTo 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.