Your credit report, decoded by AI

Sort of. You have an AI agent in the loop to help you navigate the difficulty of reading and repairing errors on your credit reports. It surfaces the issues, explains why they matter, drafts the dispute letters, and guides you through each step — you just review and send.

No. You can upload or paste any credit report and use all of our features for free — AI analysis, dispute letter generation, score tracking, and bureau comparison. An IDIQ account ($29/mo, paid to IDIQ) is only needed if you want automated 3-bureau syncing. Sign up free and we'll walk you through IDIQ enrollment from your dashboard.

Credit repair companies charge $50–$150/month to send dispute letters on your behalf. Credit Renew gives you the same tools — for free — with an AI agent that does the heavy lifting. You stay in control of every letter and every decision.

Late payments reported incorrectly, accounts that don't belong to you, duplicate entries, wrong balances, outdated negative items that should have aged off, and more. The agent cross-references data across all three bureaus to catch inconsistencies humans typically miss.

Yes. We use read-only access to pull your credit data, credentials are encrypted at rest, and we never resell your information. Your data is yours — we just help you make sense of it.

Bureaus are required to investigate disputes within 30 days. Most users see their first deletions within 30–45 days of sending their initial round of letters. The dashboard tracks every response so you always know where things stand.

The Fair Credit Reporting Act (FCRA) is a federal law that gives you the right to dispute inaccurate information on your credit report. If you find an error, bureaus are legally required to investigate within 30 days and correct or remove unverifiable information. Credit Renew helps you exercise these rights effectively.

You can dispute any inaccurate, incomplete, or unverifiable information — including late payments reported incorrectly, accounts that aren't yours, duplicate entries, wrong balances, outdated negative items (older than 7 years), unauthorized hard inquiries, closed accounts shown as open, and accounts opened through identity theft.

The impact depends on the type and severity of the error. A single incorrectly reported late payment can drop your score by 60–110 points. A collection account that isn't yours could cost you 100+ points. The FTC found that 1 in 4 consumers identified errors that could affect their creditworthiness.

Once a bureau receives your letter, they have 30 days to investigate (45 days if you provide additional information). They'll contact the data furnisher (creditor) to verify the information. If the item can't be verified, it must be corrected or removed. You'll receive a written response and an updated copy of your report. Credit Renew tracks this entire lifecycle in your dashboard.

No. Filing a dispute does not lower your credit score. The dispute itself is noted on your report while under investigation, but it has no impact on your score. If the dispute is successful and a negative item is removed, your score will likely go up. If the item is verified as accurate, your score stays the same.

If the bureau verifies the item as accurate, you still have options. You can dispute directly with the data furnisher (the creditor reporting the information), file a complaint with the CFPB, add a 100-word consumer statement to your report, or try a different dispute angle — for example, challenging the account balance instead of the late payment. Credit Renew helps you build a multi-round strategy.

You can, but we recommend sending disputes by certified mail. Online disputes through the bureau websites are faster, but they often require you to agree to limited investigation timelines and waive certain FCRA protections. Certified mail creates a paper trail, preserves your full legal rights, and gives you proof the bureau received your dispute — which matters if you need to escalate.