Our Mission
Credit scores determine the interest rate on your mortgage, whether your apartment application is approved, and sometimes even whether you get a job. A 100-point difference in your score can cost or save you tens of thousands of dollars over a lifetime of borrowing.
For years, the only options for fixing your credit were: pay a credit repair company $100/month or more, navigate the bureaucracy alone with generic dispute letter templates, or simply hope your score improved on its own. None of these options worked well.
Credit 800 was built to change that. We use AI to do what professional credit counselors do — analyze your report, identify every disputable inaccuracy, generate legally-grounded letters citing the exact FCRA and FDCPA sections that apply to your situation, and build a personalized action plan. All at a price that makes sense for everyone, not just people who can afford $100/month in fees.
What Makes Credit 800 Different
AI That Actually Understands Credit Law
Our AI analyzes your credit report against FCRA requirements and generates dispute letters that cite the specific legal sections relevant to each item — not boilerplate templates.
Everything in One Place
Credit disputes, budget tracking, debt payoff planning, loan readiness scores, score simulation, and more — tools that used to require separate subscriptions, in a single platform.
Transparent Pricing
A single flat subscription with no hidden fees, no per-letter charges beyond optional USPS mailing, and no upsells. You know exactly what you're paying and what you're getting.
Your Data, Your Control
We don't sell your data. We don't train AI models on your credit report information. You can export, delete, or revoke access at any time.
What Credit 800 Is — and Isn't
Educational Tool, Not a Credit Repair Organization
Credit 800 is an educational platform that gives you the information, letters, and tools to repair your own credit — exercising rights that already belong to you under federal law. We are not a credit repair organization as defined by the Credit Repair Organizations Act (CROA) and do not make guarantees about credit score improvements. No one can legally guarantee credit score improvements, and anyone who does is misleading you.
The Technology
Credit 800 is built on a modern, secure tech stack. Credit report analysis and dispute letter generation is powered by leading AI models including Anthropic Claude and Google Gemini. Your data is stored securely with encryption at rest and in transit. We use Stripe for payment processing — we never see or store your full card number.
Our Autopilot feature performs monthly soft credit pulls (which do not affect your score) with your explicit written consent under FCRA § 604(a)(2). Every automated action is logged in an immutable audit trail that you can access at any time.
Ready to Get Started?
Upload your credit report, get your AI-generated dispute letters and action plan, and take control of your credit.