AI credit report audit — free

The errors are already in the report.

CreditAuditAI audits your credit file for errors the bureaus are not looking for. You upload your report, the audit cites every potential violation it finds with the section of law that applies, and you get the dispute letter written for you to print and mail. The audit is free — no card required to see your findings.

Start your free audit — no card required.

Why nothing changes on its own

You dispute, the bureau answers, the item stays. Nothing in that loop checks whether the underlying data is accurate: bureaus answer disputes, they do not audit files.

Section 611 (reinvestigation) gives a bureau 30 days to respond to a dispute, and "verified" is a legal answer that does not require the bureau to show you any proof.
Section 605 (reporting windows) limits most negative items to seven years, and a Chapter 7 bankruptcy to ten years from the filing date.
Section 623 (furnisher duties) obliges whoever reports the data to correct and update it — a duty a bureau dispute alone rarely triggers.

1 in 4 consumers in the FTC's study of credit reports found at least one error.

How it works

You upload your credit report. PDF, from any of the three bureaus.
The audit reads every tradeline and cites the specific potential violation, with the section of law, on the document itself.
You get a dispute letter per item and a tracker. You mail it. You keep the file.

Start your free audit — no card required.

What it costs

Free Audit, $0. Upload your report, every tradeline scanned in all three files, each potential violation cited with the FCRA section that governs it, and you see all of the findings before you pay anything.

Membership, $24.99 per month, cancel anytime — see refunds and cancellation.

Everything in the Free Audit, plus a ready-to-mail dispute letter for each finding, a round tracker with 30-day bureau deadline reminders and follow-up letter drafts, and the AI Debt Payoff Analyzer. The analyzer takes your balances, APRs and minimum payments and simulates three payoff strategies — Avalanche, Snowball and Bi-Weekly — so you can see the payoff order, the months to zero and the total interest each one costs before you commit.

Start your free audit — no card required.

Who operates this

CreditAuditAI is software operated by Ortiz Labs LLC, 5502 W Cyclamen Place, West Jordan, UT 84081, United States. Support and billing: support@creditauditai.com. Refunds and cancellation are set out in our terms.

How your data is handled

What we collect

The report PDF you upload and your email. If you go on to the paid tools we also store the details the letters need — your name, address, date of birth and the last 4 digits of your Social Security number. Never the full number, and never before you have seen your findings.

How it's protected

Everything travels over TLS, and your report sits in your own account. The audit runs on a third-party AI model, so the text of your report is sent to that provider to produce your findings — that provider is the only third party that sees it. We never sell, share or rent your data, and we do not use your report to train any model of our own.

How long we keep it

Your reports stay in your account until you delete them, and deleting a report is immediate and permanent. Your findings, letters and tracker stay until you delete your account.

Your control

You can delete any uploaded report from your account at any time. To remove your account and everything in it, email support@creditauditai.com and we delete it for you.

What a finding looks like

Illustrative example — not a client, not a claimed outcome. A tradeline showing a paid-and-closed auto loan with a balance of $3,412 still reporting after a confirmed payoff is cited under Section 623, because the furnisher had a duty to update what it reports.

Straight answers

Will this get items deleted?: No — we identify what is inaccurate, outdated or unverifiable, cite the section it may violate and prepare the dispute. The bureau decides, inside its 30-day window.
Is this legal?: Yes. The Fair Credit Reporting Act gives you the right to dispute what is in your file and obliges the bureau to reinvestigate. We are not a law firm and nothing here is legal advice.
Will this remove accurate negative items from my report?: No. Accurate information stays. What comes off is what the bureau cannot verify: information that is inaccurate, duplicated, past its time limit, or reported by a party with no business reporting it.
What does the free audit include?: Upload your report and every tradeline is scanned across the files, with each potential violation cited to the FCRA section that governs it. You see all of the findings before paying anything — no card required.
What does the $24.99/month membership add?: A ready-to-mail dispute letter for each finding, a round tracker with 30-day bureau deadline reminders and follow-up letter drafts, and the AI Debt Payoff Analyzer. Cancel anytime.
Do you send disputes for me?: No. You review, sign and mail every letter yourself, or file it through the bureau's own online dispute form.
Which credit reports can I upload?: A PDF from Experian, Equifax or TransUnion — including the free file you can pull at annualcreditreport.com.
Is my credit report safe with you?: Your report is stored in your account and read by the automated audit. We do not sell it, we do not share it with lenders, and we do not use it to train anyone else's model. You can delete any uploaded report from your account at any time.
How long does the audit take?: The audit runs automatically once your PDF finishes uploading, and it is minutes rather than days. We are still measuring the typical time before we publish a figure here.

CreditAuditAI is a software tool for educational and informational purposes. It is not legal advice and not a credit repair organization under the Credit Repair Organizations Act. You review, sign, and mail every letter yourself.

Questions: support@creditauditai.com