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Credit Repair Automate

Claimed

Find credit report errors, prepare disputes, and track deadlines across bureaus

From $1.99/mo, billed monthly
Paid Personal Finance AI for Finance
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Tracked since 2026
Verified vendor

The Bottom Line

Best for
US consumers with collections, late payments or charge-offs who want to dispute their own credit reports
Price
From $1.99/mo, billed monthly. Compare plans

Key facts

  • No software fee; 3-bureau reports come from SmartCredit®, with a trial period and then a monthly fee
  • Reports refresh regularly, and the next report is read to see what changed
  • Dispute letters for various issues, with optional certified mail and tracking

Not for

People who want someone else to handle every step for them

What is Credit Repair Automate?

Credit Repair Automate is AI credit repair software. It pulls TransUnion, Experian and Equifax reports through SmartCredit®, reads every account, inquiry and personal detail, and flags items that are inaccurate, outdated or reported differently across bureaus. It picks a dispute type for each item, builds the letters with an e-signature, tracks the 30-day deadlines and reads the next report to plan the next round. The user chooses what gets disputed.

Available on: Web

Data compiled by Toolradar Pricing checked · How we evaluate
Source creditrepairautomate.com

Preview

Key Features

  • Pulls all 3 credit reports through SmartCredit® and refreshes them every 5 days
  • Flags contradictions between bureaus, outdated items and re-inserted items
  • Picks the dispute type per item: 611, 623, MOV, goodwill or pay-for-delete
  • Electronic signature on every letter; certified mail with tracking optional
  • Tracks the 30-day investigation deadline for every dispute
  • Reads the next report and plans the next round, up to 6 rounds, with a CFPB complaint draft

Pricing Plans

Pricing checked Oct 13, 2026. Source: creditrepairautomate.com/pricing, read Oct 13, 2026

Credit Repair Automate plans and prices, checked October 2026
Plan Price Details
Member

$1.99/month

No software fee; the price is the SmartCredit® 3-bureau credit monitoring membership, billed by SmartCredit

  • All 3 credit reports, unlimited disputes, full dispute engine
  • $1.99 for 7 days, then $29.95/month
View full pricing

Is Credit Repair Automate worth the price?

Good value

It's generous for heavy users who file unlimited disputes, but expensive for those needing only occasional help.

Best for individuals with multiple credit issues who want automated dispute management.

Full Credit Repair Automate pricing: every plan, hidden costs and alternatives

Email me when Credit Repair Automate changes its price

One email per change, found on the vendor's own pricing page. Unsubscribe any time.

Credit Repair Automate by the numbers

Toolradar data: Credit Repair Automate's entry paid plan ($1.99/mo, billed monthly) ranks #1 of 21 for price among the Personal Finance tools with a verified entry price and no stated unit, where the median is $8.25/mo. As of Oct 2026.

Credit Repair Automate compared with 63 Personal Finance tools on Toolradar, as of Oct 2026
Metric Credit Repair Automate Peer median Position (1 is best)
Entry paid plan $1.99/mo, billed monthly $8.25/mo #1 of 21 tools with no stated price unit, verified price
Free plan No 63% have one n/a

Each position is counted among the tools that have data for that row, as noted under it. A lower entry price ranks higher; prices are read on vendor pages and compared only with tools priced on the same basis. All Personal Finance data · How we compute this. Advertising and placement fees are not inputs to any position.

Cite this: Toolradar, “Credit Repair Automate by the numbers”, Oct 2026.

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Credit Repair Automate FAQ

How does Credit Repair Automate help someone who suspects errors on their credit reports?

Credit Repair Automate pulls your TransUnion, Experian, and Equifax reports through SmartCredit, scans every account, inquiry, and personal detail, and flags items that are inaccurate, outdated, or reported differently across bureaus. It then picks a dispute type for each item you choose, builds the letters with an e-signature, and tracks the 30-day deadlines to plan the next round of disputes.

What are the main limitations of using Credit Repair Automate?

Credit Repair Automate automates the dispute process but does not guarantee that flagged errors will be removed; users must still review and approve each dispute. It is a paid product with no permanently free tier, and it relies on SmartCredit to pull credit reports.

Which teams or individuals benefit most from Credit Repair Automate?

Individuals who want to systematically dispute credit report errors across all three bureaus without manually writing letters and tracking deadlines benefit most. It is designed for users who prefer an automated workflow that reads reports, flags inconsistencies, and prepares the next dispute round.

How is Credit Repair Automate priced?

Credit Repair Automate is a paid product with no permanently free tier. Users pay for access to the software and its features.

How does Credit Repair Automate identify errors on credit reports?

It reads every account, inquiry, and personal detail from TransUnion, Experian, and Equifax reports obtained through SmartCredit. It then flags items that are inaccurate, outdated, or reported differently across the three bureaus.

Can Credit Repair Automate automatically dispute all flagged errors?

No, the user chooses which items to dispute. For each selected item, the software picks a dispute type and builds the corresponding letters with an e-signature, but the user retains control over what gets disputed.

How does Credit Repair Automate handle the dispute timeline?

It tracks the 30-day deadlines for each dispute and reads the next credit report to plan the next round of disputes. This ensures users can follow up systematically without missing deadlines.

How does Credit Repair Automate pricing compare with other Personal Finance tools?

Credit Repair Automate's entry paid plan ($1.99/mo, billed monthly) ranks #1 of 21 for price among the Personal Finance tools with a verified entry price and no stated unit, where the median is $8.25/mo. Prices are read on each vendor's own pricing page and compared only with tools priced on the same basis. Source: Toolradar, Oct 2026.

Source: creditrepairautomate.com

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