Answers to common questions about credit report audits, FCRA disputes and the deadlines that apply.
No. CreditAuditAI is self-service AI software — not a credit repair agency. We provide tools to help you audit your own credit reports and generate your own dispute letters.
Usually under an hour from signup to printed letters — creating your profile and downloading your reports takes most of that. The audit runs automatically in your account, and bureaus then have 30 days by law to investigate.
No. Disputing inaccurate information is your legal right under the Fair Credit Reporting Act and does not lower your score.
The service includes a second-round escalation letter that asks the bureau for its method of verification — the description of how it checked the item. If the bureau cannot describe it, you have grounds to escalate further.