Start free with essential credit monitoring. Upgrade to Premium when you are ready for AI-powered disputes, credit building, and full identity protection. No hidden fees. Cancel anytime.
Essential credit monitoring to get started. See your score, track changes, and understand what affects your credit.
Full AI-powered credit repair suite with unlimited disputes, credit building tools, and comprehensive identity protection.
See exactly what is included in each plan so you can choose the right option for your credit goals.
| Feature | Free | Premium |
|---|---|---|
| Credit Score Monitoring | ||
| Three-Bureau Reports | Annual | Monthly |
| Score Change Alerts | ||
| Score Factor Analysis | Basic | Advanced |
| AI Dispute Identification | ||
| Automated Dispute Letters | ||
| Unlimited Dispute Rounds | ||
| Bureau Response Tracking | ||
| Credit Builder Tool | ||
| Rent & Utility Reporting | ||
| Identity Theft Monitoring | Basic | Full Suite |
| Dark Web Scanning | ||
| Identity Theft Insurance | $1M Coverage | |
| Dedicated Support Team | Phone + Chat | |
| Score Improvement Roadmap | ||
| Monthly Progress Reports |
We are confident that CreditAI Premium will help you improve your credit. If you are not satisfied for any reason within the first 30 days, we will refund your payment in full — no questions asked. Your satisfaction and credit improvement are our top priorities.