The full breakdown
| What | Cost | Notes |
|---|---|---|
| Credit Repair Automate software | $0 | Scan, unlimited dispute letters, tracking, dashboard. No software fee. |
| SmartCredit® 3-bureau reports and credit monitoring | $29.95 / month | A separate membership with SmartCredit®, set up from inside the app. A recurring monthly charge, billed by SmartCredit® until you cancel. Full reports and scores from all three bureaus, new each month, credit monitoring, alerts, $1M identity theft insurance. Cancel anytime from your SmartCredit® account. |
| Print-to-mail (optional) | Per letter | We print, address and mail with tracking. Or mail them yourself for the price of a stamp. |
Why the report subscription is required
To find errors, the software needs your actual current report from each bureau, not a summary. And to show you what a dispute changed, it needs a fresh report the next month to compare. The credit monitoring you set up inside the app supplies both, for all three bureaus, in a format the scan can read. The free annual reports from AnnualCreditReport.com are useful, but they can't be imported automatically and won't refresh monthly to track your results.
Reports from other monitoring services can't be imported, which is why the subscription is set up from inside the app.
Compared with hiring a credit repair company
| Credit Repair Automate | Credit repair companies | |
|---|---|---|
| Setup fee | $0 | $79 to $199 |
| Monthly fee | $0 for the software, plus $29.95 for your SmartCredit® reports | $99 to $149, plus you often still pay for monitoring |
| Who disputes | You, with letters written for you in e-OSCAR, the bureaus' own dispute language, and signed in your hand | Them, usually with template letters |
| Items per round | Unlimited | Often capped at 5 to 15 |
| Contract | None | Month to month, but cancellation friction is common |
| Cost over 6 months | About $180, all of it your SmartCredit® reports | About $600 to $1,100 |
Company prices are typical published ranges for well-known providers as of 2026 and change often. The point isn't that companies are bad. It's that the work they do is something the law lets you do yourself, and the software makes it about as easy.
New to the idea? Here is how AI credit repair works, step by step.
Frequently asked questions
Is there a contract?
No. Your SmartCredit® membership is month to month. Cancel it from your SmartCredit® account whenever you like.
What does print-to-mail cost?
A few dollars per letter, shown before you confirm. It covers printing, envelope, postage and tracking. Mailing yourself is always an option.
What happens if I cancel my credit monitoring?
Each one cancels on its own. Cancelling SmartCredit® doesn't close your Credit Repair Automate account: you keep your letters and history, and the software just can't import fresh reports until a SmartCredit® membership is active again. Closing your Credit Repair Automate account doesn't cancel SmartCredit® either.