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Your Credit Report
Connect your credit report.Tell my850.ai what you want to do.
What you can do
Pro plan
Unlock your 3-bureau 850 Credit Check report, generate lawyer-grade dispute letters, and send by mail, email, or fax.
Step one
Connect your reportGet started for free
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
Real results
Proven Impact
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.
Free / DIY
- Free Dispute Letters
- 1 Credit Report Import
- Budget & Calculator Tools
- 850 University + AI Chatbot
Pro
- 3-Bureau Monitoring + Import
- Automated Letter Generation
- Mail, Email & Fax
- 10 Tokens (1 = 3 mailed pages)
Auto
- Auto Report Refreshes + Alerts
- One-Click Dispute Sending
- Funding Insights + CFPB Filing
- Human Customer Support
See exactly how 850ai 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
FreeProAutoConnecting your monitoring service…
EQlinkedEXlinkedTUlinkedSecurely connect a credit-monitoring service or upload your report. Pro & Auto pull all three bureaus for you every cycle.
- 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
FreeProAutoAI 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- Outdated, duplicate and unverifiable items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
ProAutoEmail 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
FreeProAutoDispute 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
Download, or send by mail, fax & email
FreeProAutoMailFaxEmailFree members download a print-ready PDF to mail themselves. Pro & Auto include mailing — send by mail, fax or email in a click.
Mailing included on Pro & Auto
- Free: print-ready PDF, yours to keep
- Pro & Auto: mail, fax & email included
- 850ai tracks every response for you
- 6MONTHLY
Step 6
Auto repeats it monthly — until your report is clean
AutoRefresh
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 bureaus, creditors, CFPB, FCC & FTC
- 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 wants the total package — escalations & CFPB filings included
- 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
Automatic CFPB filings
Escalate stubborn items with regulatory complaints. On Auto, 850ai files and manages CFPB complaints for you automatically.
- Auto-prepared regulatory complaints
- Filed & tracked for you
- Responses handled automatically on Auto
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.
Automatic CFPB Filings
Escalate stubborn items with CFPB complaints — and with the Auto plan, 850ai files and manages them for you automatically.
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
What are tokens?
Tokens are used for dispute actions (mail, email, fax). 850ai users purchase tokens as needed. Pro gets 20/mo included. Auto has unlimited tokens.
How quickly will I see results?
Most members see their first deletions or score improvements within 30-60 days. Significant changes typically occur within 3-4 months.
What is autonomous credit repair?
Autonomous credit repair means the software runs the whole dispute case for you. On the Auto plan, 850ai pulls your report monthly, detects errors and new negative items, generates and mails dispute letters, reads bureau responses, and escalates to creditor disputes or CFPB complaints — hands-free, while you supervise.
How does my850.ai compare to traditional credit repair?
my850.ai is a platform, not a human-provided service — so you stay in total control of your disputes and your journey. You decide what to send and when, you pay as you go, and the Auto plan is backed by our 100% money-back guarantee when you work the full program.
Now available in Claude, ChatGPT & the Apple App Store
Connect the 850 AI credit agent to Claude or ChatGPT with MCP. Open Settings → Connectors → Add custom connector, name it 850AI, and paste this link:
https://app.850boostclub.com/api/mcp