kitio.aiAdded Nov 5, 2026
Dispute AI
Freemium · $39.99/moDIY credit repair software that uses AI to plan your credit disputes
What is Dispute AI?
Dispute AI is a do-it-yourself credit repair service that analyzes your credit reports with AI and suggests what to dispute and how to improve your score. It is meant for consumers who would rather handle repairs themselves than pay a credit repair agency.
Subscribers get three-bureau credit reports and scores, ongoing monitoring with alerts, and the AI credit repair software that turns report data into recommendations. The site also offers guides and financial tools for building or re-establishing credit history.
A higher plan adds identity theft insurance, a done-for-you dispute process and removal of personal data from the internet. There is also a white-label program for people who want to run their own credit repair business with a branded website, client portal and API access.
Features
- AI credit analysis
- Three-bureau reports and scores
- Credit monitoring alerts
- Done-for-you disputes
- White-label business portal
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Releases
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Organization
Dispute AI
Listed by kitio.ai · unverified owner
Pricing
- Pricing model
- Freemium
- Paid options from
- $39.99/mo
- Billing frequency
- Monthly
Dispute AI plans
White-Label Plan
Free
- Pre-built branded website
- Custom client portal
- Tracking system
- API access
Starter
$39.99/mo
- Three-bureau reports and scores
- Credit monitoring and alerts
- AI credit repair software
Unlimited
$97/mo
- Everything in Starter
- Identity theft insurance
- Done-for-you process
- Personal data removal
Prices in USD, checked Nov 5, 2026. Plans change often, so confirm on the Dispute AI site.Official pricing
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Pros and cons
Pros
- Cheaper than hiring a repair agency
- Includes three-bureau reports
- White-label option for resellers
Cons
- Only relevant to US-style credit bureaus
- Identity protection only on the top plan
- Results depend on bureaus accepting disputes
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Q&A
What is Dispute AI?
Dispute AI is a do-it-yourself credit repair service that analyzes your credit reports with AI and suggests what to dispute and how to improve your score. It is meant for consumers who would rather handle repairs themselves than pay a credit repair agency.
What does the higher Dispute AI plan add?
The Unlimited plan adds identity theft insurance, a done-for-you dispute process and privacy scrubbing of your personal data online.
Can I resell Dispute AI under my own brand?
Yes. The white-label plan gives you a pre-built website, a custom client portal, tracking, marketing resources and API access.
How much does Dispute AI cost?
Dispute AI is freemium, with paid plans from $39.99/mo.
Is there a free version of Dispute AI?
Yes. Dispute AI has a free plan, and paid plans add more usage and features.
What are the main features of Dispute AI?
AI credit analysis, Three-bureau reports and scores, Credit monitoring alerts, Done-for-you disputes, White-label business portal.
Who makes Dispute AI?
Dispute AI is made by Dispute AI.
What are the best alternatives to Dispute AI?
Popular alternatives include SmartDispute.ai, Stash, Cleo.