Loading your experience
Getting everything ready…
Your CreditCommand Center
AI credit repair, on your command.Connect your report, Deploy once, and 850ai fights for you.
What you can dotap to explore
Disputes
01/15We compare all 3 bureaus, your uploads, and any breach exposure to build each case. No two letters are ever the same.
Watch how my850.ai works
Available on these platforms — pick a plan to get started
Simple plan comparison
Choose the plan thatbest fits your needs
AutoMax plan
Let 850ai run the whole caseWe send, follow up, and file complaints. Every month.
AutoMax plan
Billed monthly · free until results · terms apply
We send, follow up, and file complaints. Every month.
- Everything in Auto
- CFPB complaints filed for every account
- When a company answers your complaint, we reply for you automatically
- Documents uploaded straight to Experian
Trusted by Thousands
This company is the real deal
"This company is the real deal! I was skeptical at first but when my score increased 115 points after just 1 month after signing up I was sold!…"
Justin Hightower
Verified on Trustpilot
"An honest and trustworthy company which is of utmost importance when dealing with your personal information."
Adam Easey
Verified on Trustpilot
"I had an excellent experience with 850AI! They didn't just help improve my credit—they took the time to educate me on how credit really works.…"
Juanita Neekie Sampson
Verified on Trustpilot
See my850.ai in Action
▶ Watch The 1-Min Demo
Choose Your Path to 850
Pick the plan that matches your goals.
Send
billed today, cancel anytime
You click send. We mail it.
- 3-bureau credit report, updated monthly
- Letters to Equifax, Experian & TransUnion, written for you
- Mailing included — tap Send and we mail them
- AI chat, your personal credit plan & Smart Reply for letters you get back
You do: Review your letters, tap Send, and upload any replies.
Best if: You want the bureaus handled and you’ll click Send.
Auto adds creditor letters, email & fax, and automatic rounds.
Auto
free until results · terms apply
We send every round for you.
- Everything in Send
- Letters to your creditors and collectors, not just the bureaus
- Email and fax on top of mail — we pick the route
- Every round sent automatically, with 24 hours to review first
- Each month: new report, next round written and sent
- Letters to the extra bureaus most people never dispute with
You do: Glance at each round. You get 24 hours to change anything.
Best if: You want every account handled without you.
AutoMax files CFPB complaints and answers every company response for you.
AutoMax
free until results · terms apply
We send, follow up, and file complaints. Every month.
- Everything in Auto
- CFPB complaints filed for every account
- When a company answers your complaint, we reply for you automatically
- Documents uploaded straight to Experian
You do: Nothing beyond the 24-hour review window.
Best if: You want it all done, start to finish.
Already on Auto? Upgrade in-app and pay only the difference.
Credit monitoring
3-bureau credit monitoringincluded with your plan
Or bring your own: connect the service you already use, or upload a PDF from any bureau.
Activate your site and promote.AI handles the rest.
Your clients pay you, create their profile, and connect their credit report — 850ai runs the disputes, follow-ups, and updates while you control exactly what they see.
How the agent system workstap to explore
Activate
01/9Flip on your white-label site — your subdomain, your logo, your prices. Live in minutes, no code.
Agent Plan
White-label 850ai and start your own agency: a website, user portal, lead magnets and funnels, full automation for every client, follow-up nurturing, custom portal controls and custom emails.
- White-label website & user portal
- Lead magnets, funnels & nurturing
- Full client automation
- Custom portal controls & emails
- Get paid to help clients improve credit while 850ai automates the work
Contact admin — we set up your white-label site with you.
See it in action
How 850ai runs yourdisputes automatically
Step 1 of 7 · 850ai Auto Plan
Import Your Credit Report
Connect your credit-monitoring account or securely upload your report.
3-bureau score import
SAMPLELoading report data
0/6Comparing balances, statuses, payment history & inquiries
Importing & comparing all 3 bureau reports
How it works
Scroll the timeline to watch each step come to life. Badges show which plan each part is included on.
- 1
Step 1
Link or upload your credit report
DIYAutoAutoMaxConnecting your monitoring service…
EQlinkedEXlinkedTUlinkedEvery plan includes a verified 3-bureau report. Auto & AutoMax pull all three bureaus for you again every month.
- Works with most major monitoring services
- Or drag-and-drop a PDF / screenshot
- Bank-level encryption on everything you share
- 2
Step 2
Scan the report for errors
DIYAutoAutoMaxAI compares every account, balance, status, payment history and inquiry across all three bureaus to flag what looks wrong.
- Cross-bureau balance & status mismatches
- Outdated, duplicate and unverifiable items
- Inquiries with no permissible purpose
- 3
Step 3
Check the dark web & your identity
AutoAutoMaxEmail in breach dumpPassword hash exposedSSN fragment listedWe search breach dumps and hidden sources for exposed data, then screen for identity-theft red flags tied to your report.
- Breached emails, passwords & SSN fragments
- Identity-theft risk screening
- Evidence attached to strengthen disputes
- 4
Step 4
AI drafts your dispute letters — you edit & review
DIYAutoAutoMaxDispute letterEdit ApprovePersonalized, legal-grade bureau, creditor and CFPB letters are generated for you. Read them, tweak anything, then approve.
- Grounded in FCRA, FDCPA & Metro 2 rules
- Fully editable before anything is sent
- Nothing goes out until you approve it
- 5
Step 5
Send
DIYAutoAutoMaxMailFaxEmailOn DIY every letter downloads as a free PDF — add Send for $29.99/mo and every letter is delivered for you when you click Send. On Auto and AutoMax every round is sent for you, automatically.
DIY: add Send for $29.99/mo · Auto: every round, automatically
- DIY: free PDF downloads, or add Send for $29.99/mo
- Auto & AutoMax: every round sent for you, automatically
- 850ai tracks every response for you
- 6MONTHLY
Step 6
Auto repeats it monthly — until your report is clean
AutoAutoMaxRefresh
Draft
Approve
Send
1New 3-bureau pull — changes detected
repeatsThe only thing you do is log in & approve
- Monthly report refresh + automatic change detection
- New dispute series aimed at every bureau and creditor
- Scans every response, escalates & notifies you of each action
850ai Auto is perfect for:
- Entrepreneurs
- Busy adults & parents
- Serious budgeters & planners
- Anyone wanting to become debt-free
- Anyone who's tried traditional credit repair
- Anyone who never wants to click send again — every round sent automatically
- Anyone chasing a bigger goal — a home, a car, funding & more
Goal planning for homes & cars
Buy a home
Tell 850ai what you want — a house or a car — and it builds a step-by-step credit plan to get you approved.
- Search real homes & vehicles near you
- See what it takes to qualify
- A clear next step every month
Funding insights
Compare funding options against a live lender database and see which moves improve your borrowing power and terms.
- Match to lender programs
- Understand your borrowing power
- See what improves your rate
Application insights
Full name
Income
Address
Employer
Never fill out an application alone. 850ai pre-fills and reviews card and pre-qualification forms so you apply with confidence.
- Guided pre-fill of your details
- Reviews before you submit
- Apply with confidence
CFPB complaints
Escalate stubborn items. On AutoMax, 850ai files a CFPB complaint for every account, then tracks and escalates each one for you automatically.
- AutoMax: a CFPB complaint for every account, tracked for you
- Company responses answered automatically
Not Sure Where To Start?See Everything 850ai Helps With
From fixing errors and monitoring credit to cards, cars, homes, and big life decisions — here's a real look inside every tool.
Fix Errors & Monitor Credit
Find inaccurate, outdated, or unverifiable items and turn them into targeted disputes — then keep watch on score movement, bureau changes, and new risks so nothing slips by.
CFPB Complaints (AutoMax)
Escalate stubborn items. On AutoMax, a CFPB complaint is filed for every account and tracked for you.
850ai Chat
Ask credit, debt, funding, or planning questions and get plain-English next steps based on your situation.
Plan Your Goals & Actions
Build a credit strategy around a real goal, from lowering utilization to preparing for a home, car, or 850 score — with a clear next step every time.
Learn Your Credit
Short, guided 850 University courses that teach how credit actually works — from reading your report to building it the right way.
Pick Your Debt-Free Date
Slide to set a payoff date for all your debt and instantly see the monthly payment it takes to get there.
Application Assistant
Never fill out an application alone again. 850ai pre-fills and reviews your card and pre-qualification forms so you apply with confidence.
Shop Vehicles With Insights
Search real vehicles near you with powerful insights — days on market, true book value, and payment ranges — so you negotiate from a position of strength.
Shop Homes & Property
Search homes for sale or rent in your area, see full property details, and understand what it takes to get approved before you buy.
And much more
No Trust Required.Complete Transparency.
Log in, trigger action, and stay informed every step of the way.
How often we update you
Credit changes, alerts, and tasks
Goals and deadlines
Report updates and actions taken
Delivered via
Frequently Asked Questions
How does sending work?
Mailing is included on every plan — no stamps and no tokens. On Send, we mail your Equifax, Experian & TransUnion letters the moment you click Send on a round; creditor letters are written for you to download. On Auto and AutoMax every round, including creditor letters, is sent for you automatically by mail, email or fax.
Can I upgrade from Send later?
Yes. Upgrading replaces Send on the same subscription, so you’re never billed for both. Upgrade anytime from your account. We credit the days you’ve already paid for, so you never pay twice, and you’ll see the exact amount before you confirm.
How quickly will I see results?
Bureaus generally have about 30 days to investigate a dispute. 850ai does not promise a deletion or a score change. On Auto or AutoMax, if you meet every condition at my850.ai/guarantee and there is no qualifying result by your third monthly update, the plan keeps working at no subscription charge until you get one.
Does 850ai mail letters automatically?
Only when you say so. 850ai is consumer-operated AI credit software: it analyzes all three bureaus and writes letters you can review and edit. On Send nothing leaves until you click Send. On Auto and AutoMax it pulls your report monthly, prepares each round and sends it for you, automatically, after your 24-hour review window.
AI Connectors
Connect 850ai to Claude or ChatGPT
Go to Settings → Connectors → Add custom connector, name it 850AI, and paste the link below.
https://app.850boostclub.com/api/mcp