Credit Repair Automate is our software, and it's in this comparison. Every competitor fact links to that company's own page, so you can check it yourself.
What to compare
AI credit repair apps look alike on their homepages. Five things separate them:
- The real monthly cost. Many apps need a credit monitoring subscription. Add both together.
- Which bureaus it disputes with. One bureau or all three changes how much of your file gets worked on.
- Who mails the letters. You, the service, or an optional paid mail service.
- What happens in round two. Whether it reads your next report and plans the next dispute, or leaves that to you.
- Whether you see every letter. It is your credit file and your name on every dispute.
The comparison
Prices and features as published on each company's own website, checked October 13, 2026. They change often.
| Tool | Bureaus it disputes with | Monthly cost as published | Who mails the letters | Next rounds |
|---|---|---|---|---|
| Credit Repair Automate | All 3 | No software fee. Requires SmartCredit® credit monitoring: $1.99 for 7 days, then $29.95/mo | You, or optional certified mail with tracking (postage per letter, shown before you pay) | Reads your next report and plans the next round, up to 6 rounds, with a CFPB complaint draft |
| Dovly | TransUnion only | Free plan $0; Premium $99.99/yr ($8.33/mo) | Disputes are submitted to TransUnion | Premium: AI disputes each month; Free: manual tool |
| Credit Versio | 3-bureau reports | $27.95 or $29.95/mo with SmartCredit® included; $1 7-day trial | You send them and pay the postage | Imports a new report monthly and suggests a new strategy (how it works) |
| Dispute Beast | All 3 | App $0; requires its credit monitoring, from $49.99/mo | You, or Sprint Mail (paid, price per letter not stated) | States it handles bureau responses automatically |
| 850ai | All 3 | $59.99, $99.99 or $199.99/mo; 3-bureau report included | 850ai mails, included | Auto plans send each round automatically; Send plan: you click send |
| SmartDispute | All 3 | $49/mo, monitoring included | You, or SmartDispute on request (FAQ) | Tracks rounds and suggests the next one; you review |
| DIY Credit | All 3 | $39.99/mo, billed by IdentityIQ; postage purchased separately | Its site describes both the service mailing and you mailing | Tracks responses; you start the next dispute |
| CreditRefresh | All 3 (homepage) | $49.99/mo monitoring, dispute tools included | You, or RushMail (per-letter fee, amount not stated) | Tracks responses; nothing sent without your approval |
| A credit repair company | Usually all 3 | $99 to $149/mo, often plus a setup fee | The company | The company decides |
Which one fits you
- Only TransUnion, lowest cost: Dovly. Its plans work on TransUnion alone.
- You want the service to mail everything and run each round on its own: 850ai's Auto plans, at $99.99 a month and up.
- All three bureaus, the whole dispute process, every letter in front of you, at the price of the monitoring alone: Credit Repair Automate. It reads all three reports, picks a 611, 623, method of verification, goodwill or pay-for-delete dispute for each item, keeps every 30-day deadline and plans the next round from your next report.
- You would rather not do any of it yourself: a credit repair company, at $99 to $149 a month.
New to the idea? Read how AI credit repair works, or see what our credit repair software does on your own reports.
What none of them can do
No app, AI or company can remove accurate, verifiable information, and none can promise a score. What the law gives you is the right to dispute what is inaccurate, incomplete or can't be verified: the bureau has 30 days to investigate, and what can't be verified has to come off (FCRA section 611). Some apps advertise money-back guarantees; read the conditions before you count on one.
For credit repair businesses
If you run a credit repair business, client-management tools such as Credit Repair Cloud (business plans from $179 a month) are built for managing many clients. The apps above are built for people working on their own credit.
How we compared
We read each company's own homepage, pricing page and FAQ on October 13, 2026, and used only what those pages state. Where a company's site doesn't say something, the table doesn't guess. We didn't test competitors' apps with real credit files. Prices change often, so check the linked pages before you sign up. Found something out of date? Email support@creditrepairautomate.com and we'll correct it.
Frequently asked questions
What is the best AI credit repair software?
It depends on what you need. For TransUnion only at the lowest cost, Dovly's plans fit. For a service that mails everything and runs rounds on its own, 850ai's Auto plans do that for $99.99 a month and up. For all three bureaus and the whole dispute process, with every letter in front of you, at the price of the monitoring alone, that is what we built Credit Repair Automate to do. Compare the table on this page against what matters to you.
Do AI credit repair apps need credit monitoring?
Most do, because the software needs your current reports from all three bureaus to find errors and to see what changed after each round. Some include the monitoring in one price, others bill it separately. Always add both together to get the real monthly cost.
Can AI credit repair software guarantee results?
No tool can promise that an item will be deleted or that a score will rise, because the bureau decides after its investigation. Some apps offer money-back guarantees with conditions attached, so read the conditions before you rely on one.
Is AI credit repair software better than a credit repair company?
Both run the same dispute process under the same law. Software costs less each month and lets you see every letter; a company does the work for you for $99 to $149 a month, often plus a setup fee. See our guide on DIY credit repair vs a company.