Repair Your Credit Yourself.
Without Paying Thousands.
Most software sends the same generic letters everyone else sends. Ours learns. Built on 18 years and 10,000+ real client outcomes, our AI gets smarter with every dispute — like a doctor who gets better with every patient they treat. This isn't template software. It's a living system.
Plus a real credit expert available to chat — something no other DIY platform offers.
BBB A+ Rated
Better Business Bureau
10,000+ People Helped
18 years of credit expertise
AI Powered
Advanced AI Technology
Cancel Anytime
No Long-Term Contracts
110% Money Back
After 12 Months of Use
Unlimited Disputes — All 3 Bureaus — No Caps
Unlike competitors who limit you to a few disputes per month, AmericanScore.ai lets you dispute every negative item on all three bureaus simultaneously. No restrictions. No waiting.
How AmericanScore.ai Works
So simple a complete beginner can use it. Every step tells you exactly what to do next.
Upload Your Report
Securely upload credit reports from Experian, Equifax, or TransUnion — free plan lets you upload one report right away.
AI Identifies Everything
Our AI scans for re-aging, duplicates, balance errors, unauthorized inquiries, past-7-year items, and 2 more FCRA violations — all identified instantly.
Letters Generated for You
Review and approve your AI-generated FCRA dispute letters. Everything is prepared for you automatically — no legal knowledge required.
7 Types of Disputes We Identify
Our AI scans every category the FCRA protects you against — including violations most people never even know about.
Re-Aging
Accounts with manipulated delinquency dates to stay on your report longer
Past 7 Years
Negative items still reporting beyond the statutory time limit
Duplicates
The same debt appearing twice under different names or numbers
Incomplete Info
Accounts with missing or wrong information from the furnisher
Balance Errors
Account balances that don't match your actual payment history
Identity Errors
Accounts or information that belongs to someone else
Unauthorized Inquiries
Hard pulls without your knowledge or permissible purpose
Continually Updated
We update our AI model as new FCRA case law develops
Credit Score Simulator
See your estimated score improvement before you even submit a dispute. For each negative item, our AI estimates the score impact of removing it — so you can see your potential score and prioritize the disputes that matter most.
Score Estimate Example
* Estimates only. Actual results vary.
110% Money-Back Guarantee
If you have actively used the platform for 12 months and have had no deletions, we will refund 110% of everything you paid. No questions asked.
12 months active use
Use the platform consistently for 1 year
No deletions in 12 months
If there were no deletions during your 12 months of use
Get 110% back
More than you paid. No questions asked.
Simple, Honest Pricing
Start free. Upgrade when you're ready. Cancel any time.
Free
See what's wrong before you pay anything
- Upload 1 credit report
- Full AI dispute analysis
- See all dispute items identified
- Know Your Rights education
Personal
- Unlimited credit reports — all 3 bureaus
- Unlimited dispute items, no caps ever
- FCRA letter generation included
- Automated dispute tracking
- Score tracker for all 3 bureaus
- Score simulator (see your potential)
- Dark web monitoring
- 35-day follow-up reminders
- Talk to a Credit Expert
- 110% money-back guarantee
Secured by Authorize.net
Real Client Results
Actual credit score improvements from real clients — not estimates, not projections.
Individual results vary. Credit score improvements depend on the nature of the disputes and bureau response.
How Much Is Bad Credit Costing You?
Drag the sliders to see exactly how much more you're paying on your mortgage right now.
Your Rate at Score 620
8.10%
Monthly payment: $2,222
Best Available Rate (760+ score)
6.50%
Monthly payment: $1,896
Monthly Overpayment
+$326
Extra Over 30 Years
+$117.4k