AI-Powered Credit Repair

Stop paying $150/mo
to fix your credit.

Reclaim uses AI to analyze your credit report, generate FCRA-compliant dispute letters, and build a real roadmap to 700+. For $29/mo — or free to start.

Start Free TodaySee the product ↓

Free to start · No credit card · Real results, not gimmicks

Join people fixing their credit the honest way
usereclaim.org/dashboard
Reclaim dashboard — credit score tracker and dispute manager
100M+
Americans with damaged credit
$150/mo
Average scammy service cost
79%
Reports have at least one error
7 years
Negatives stay — unless disputed
Inside the product

Built to actually work.

Everything in one place — your score, your disputes, your roadmap, your AI advisor.

01 — Dashboard

See exactly
where you stand.

Your credit score estimate, all five score factors, active disputes and their status, and your roadmap progress — in one clean view.

✓
Visual score ring with factor breakdown
✓
Color-coded health indicators
✓
Dispute status tracking
✓
Roadmap progress at a glance
usereclaim.org/dashboard
Reclaim credit dashboard
usereclaim.org/dispute
Reclaim dispute letter generator
02 — Dispute Generator

Real dispute letters
in 2 minutes.

Pick the dispute type, enter the account details, and AI generates a legally precise FCRA § 611 letter — bureau-specific and ready to send.

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FCRA § 611 compliant — legally sound
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8 dispute types: collections, errors, inquiries & more
✓
Send to one or all three bureaus
✓
Track every dispute status end-to-end
03 — Roadmap

A real plan to
700 and beyond.

Disputes are only part of the picture. Your AI roadmap covers utilization, payment strategy, credit age, new accounts — everything that actually moves the needle.

✓
Score projection with estimated timeline
✓
Phase-by-phase action plan
✓
Point impact estimates per action
✓
AI insights personalized to your profile
usereclaim.org/roadmap
Reclaim credit roadmap

We're not like the others.

Most credit repair companies dispute everything and hope something sticks. That's not repair — that's manipulation. Here's what's different.

❌ Traditional credit repair
Disputes everything — even accurate info
Score jumps, then items come back
$100–$150/mo for templated form letters
No education on how credit actually works
You have no idea what they're doing
✅ Reclaim
Only disputes legitimately disputable items
Real, lasting credit improvement
$29/mo — do it yourself with AI guidance
Full education on why each factor matters
You see every letter, every decision

Everything you need.
Nothing you don't.

🔍
Credit Report Analysis
AI reads your report and identifies every error, outdated item, and unverifiable account — the stuff that's actually disputable.
✉️
Dispute Letter Generator
FCRA § 611-compliant letters in minutes. Bureau-specific, legally precise, covering 8 dispute types.
🗺️
Credit Building Roadmap
Phase-by-phase plan: disputes first, then utilization, then new positive history. Estimated point impact per step.
🤖
AI Advisor
Ask anything about your credit situation. Get real answers based on your actual profile — not generic tips.
📊
Progress Tracking
Log your score over time, track which disputes resolved, and see your trajectory toward your goal.
📚
Credit Education
Understand why each factor matters and what realistic timelines look like for your specific situation.

Simple pricing.

A fraction of what traditional credit repair charges — and you stay in control.

Free
$0/mo
See what's hurting your credit
✓Credit report analysis
✓Score factor breakdown
✓3 dispute letters
✓Basic roadmap
✓AI advisor (5 questions/mo)
Get Started Free
MOST POPULAR
Premium
$29/mo
Full credit repair, done right
✓Everything in Free
✓Unlimited dispute letters
✓Unlimited AI advisor
✓Full multi-phase roadmap
✓Progress tracking
✓Priority support
Start Premium

No long contracts. Cancel any time. Traditional services charge 4–5× more.

⚡

Your credit
can be fixed.

It won't happen overnight. But with the right plan and the right tools, it will happen. Start free — no card needed.

Start Free Today

Free to start · Cancel anytime · Real results, not gimmicks