Illustrative photoBetter Credit Starts With Better Information.
Smart software for a stronger financial profile.
Review your credit report and prepare personalized DIY dispute letters with a clear action plan.
The 100% refund applies after 90 days with no improvement, subject to following your plan and written conditions. See guarantee terms. Results and approvals are not guaranteed.
Illustrative dashboard preview — not an actual client report.
Illustrative photoYour credit journey
Scan
Upload your report. AI flags potential issues for you to verify.
Generate
AI drafts customized financial correspondence templates, including dispute letters you review and send yourself.
Send
Download your letter, sign it and mail it yourself using the pre-filled bureau address.
Track
Your AI Action Plan shows what changed between reports and what's next.
Meet Credit CRX
Who we are, what AI does, and what to expect along the way.
Step-by-step walkthrough · from getting your report to mailing your letter · outcomes not guaranteed.
Simple monthly plans
Self-service AI credit tools. You review, sign and mail your own letters. Cancel anytime.
DIY Essentials
DIY software
- Unlimited AI report scans
- Unlimited AI dispute letters (Rounds 1–3)
- AI Action Plan & progress tracking
- Use your own report: free PDF from AnnualCreditReport.com or a partner monitoring service (billed separately by the provider)
- Cancel anytime
Pro Credit Watch
DIY software + extras
- Everything in DIY Essentials
- Debt validation, inquiry & personal-info letters
- Multi-round dispute timeline tracker
- Score history across all three bureaus
- Credit report not included — upload your own or connect a partner service
Your credit reports can be 100% free
You only pay for the software. Download your free reports from all three bureaus at AnnualCreditReport.com, then upload the PDF. Report cost: $0.
Optional: prefer automatic updates? You can choose a paid monitoring service and pay that provider directly.
Refund policy
No score increase on any bureau after 90 days, while following the plan? Eligible clients receive a 100% refund of service fees paid, excluding third-party monitoring costs. Written conditions apply.
ⓘ Pricing & guarantee terms (tap to read)
Plans renew monthly until canceled; cancel anytime from your portal with no fee. Under the Credit Repair Organizations Act (CROA), no fee is charged for credit repair services before those services are fully performed. The 100% guarantee applies to customers who stay continuously enrolled for 90 days, follow the AI Action Plan, keep their account in good standing, and see no score increase on any bureau. "Follow the plan" means completing the dispute steps as prompted and making no changes that work against your own progress — including no new credit inquiries, no new loans, credit cards or financing, no missed payments, and no new negative accounts or collections. Refunds cover service fees paid, not third-party monitoring costs.
DIY software vs. traditional credit repair
Cost
Credit CRX™
From $49.99/mo
Traditional
Often $1,200–$3,000/yr
Contracts
Credit CRX™
Month to month, cancel anytime
Traditional
Often long-term contracts
Who sends disputes
Credit CRX™
You do — you stay in control
Traditional
The company, on your behalf
Dispute letters
Credit CRX™
Unlimited AI-drafted letters you review and mail
Traditional
Varies, often limited
Transparency
Credit CRX™
See every letter before you send it
Traditional
Often limited visibility
Explore your next credit step
Compare a balance-paydown scenario or keep a practical credit recovery checklist. No credit pull required.
Get your free credit evaluation
Tell us your goals and we can follow up with questions about the DIY software. No payment or credit inquiry is required to request contact.
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Questions & Answers
Is credit repair legal?
A:You may dispute inaccurate or incomplete credit information for free. Credit repair organizations must follow federal and applicable state laws. Accurate, current information cannot legitimately be removed just because it is negative.
How long does a dispute take?
A:Credit bureaus generally investigate within 30 days after receiving a dispute; some cases take up to 45 days. They generally send the results within five business days after finishing. These are investigation deadlines, not a promise of score improvement.
Can I do it myself?
A:You can upload your own report, review flagged items, generate a draft letter and download it for mailing. CRX is self-service software: you print, sign and mail your own letters. We do not contact bureaus or creditors for you.
What does the AI do?
A:AI helps identify potentially inaccurate items and drafts letters using your report. It can make mistakes. Review the facts and supporting documents before submitting any dispute; it cannot guarantee credit report changes or predict a lender's decision.
What does the refund guarantee cover?
A:After 90 days of continuous enrollment, eligible clients with no score increase on any bureau may receive a 100% refund of service fees paid if they followed the plan and kept their account in good standing. No new inquiries, loans, credit cards or financing, missed payments, or new negative accounts. Third-party monitoring costs are excluded; see the written terms.