Choose your path to perfect credit
From credit clarity to full automation — pick the plan that matches your goals.
- Mailing included on every plan
- No contracts
- Cancel anytime
Send
You click send. We mail it.
billed today, cancel anytime
Auto adds creditor letters, email & fax, and automatic rounds.
Bureau letters mailed
- 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
We send every round for you.
free until results · terms apply
AutoMax files CFPB complaints and answers every company response for you.
Sent 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
EVERYTHING DONE FOR YOUWe send, follow up, and file complaints. Every month.
free until results · terms apply
Already on Auto? Upgrade in-app and pay only the difference
Answered for you
- 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.
Your 3-bureau credit report, every dispute letter written for you, and every letter mailed. No stamps, no tokens, no extra charges. Letters are sent by 850mail, our digital mailing service — details at /mail-pricing.
Compare all features
| Feature | Send $59.99/mo | Auto $99.99/mo | AutoMax $199.99/mo |
|---|---|---|---|
| Every plan | |||
| Price | $59.99/mo | $99.99/mo | $199.99/mo |
| Billing | Billed today · cancel anytime | Monthly · free until results · terms apply | Monthly · free until results · terms apply |
| 3-bureau credit report, monthly | |||
| Letters to Equifax, Experian & TransUnion | |||
| Mailing included | |||
| AI chat, credit plan & Smart Reply | |||
| Auto — everything in Send, plus | |||
| Letters to creditors & collectors | Written, you download | ||
| Email & fax | |||
| Rounds sent automatically | You click Send | ||
| Extra bureaus + home, car & business tools | |||
| AutoMax — everything in Auto, plus | |||
| CFPB complaints filed | Every account | ||
| Company responses answered for you | |||
| Documents uploaded to Experian | |||
| Who it’s for | |||
| Best if | You want the bureaus handled and you’ll click Send. | You want every account handled without you. | You want it all done, start to finish. |
| Upgrade from Send | Credit for days already paid | Credit for days already paid | |
Which plan is right for you?
Send — $59.99/mo
You click send. We mail it. Your 3-bureau report and your Equifax, Experian & TransUnion letters, mailed when you click Send. Best if you want the bureaus handled and you’ll click send.
Auto — $99.99/mo
We send every round for you. Everything in Send, plus creditor and collector letters, email and fax, and every round sent automatically after your 24-hour review. Best if you want every account handled without you.
AutoMax — $199.99/mo
We send, follow up, and file complaints. Every month. Everything in Auto, plus a CFPB complaint filed for every account, company responses answered for you, and documents uploaded straight to Experian. No deletion or score change is guaranteed. Already on Auto? Upgrade in-app and pay only the difference.
Frequently asked questions
What's the difference between plans?
Mailing is included on every plan. Send ($59.99/mo) is your 3-bureau report and your Equifax, Experian & TransUnion letters, mailed when you click Send. Auto ($99.99/mo) adds creditor and collector letters, email and fax, and sends every round for you automatically. AutoMax ($199.99/mo) is everything in Auto, plus a CFPB complaint filed for every account and company responses answered for you. Every plan is billed today and cancels anytime.
Is there a free plan or an annual plan?
Not right now. Every plan is a month-to-month subscription — Send, Auto or AutoMax — with no contract and no annual commitment. You always see the exact price before anything is charged. A website plan cancels in your account billing settings. A plan bought in the App Store or on Google Play cancels in that store’s subscription settings.
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. Auto and AutoMax send every round, including creditor letters, for you automatically by mail, email or fax.
Does anything get mailed without my approval?
Only when you say so. You can review and edit every letter first. On Send nothing leaves until you click Send on a round. On Auto and AutoMax each round waits 24 hours for your review, then goes out for you automatically.
What is AutoMax?
We send, follow up, and file complaints. Every month. AutoMax is everything in Auto, plus company responses answered for you automatically, a CFPB complaint filed for every account, and documents uploaded straight to Experian. If you are already on Auto, upgrade inside the app on the card you have on file — you only pay the difference for the rest of your current billing period, and your renewal date stays the same.
Can I upgrade, downgrade, or cancel?
Anytime, online, from your dashboard — no calls, no cancellation fee. Upgrades take effect immediately. We credit the days you've already paid for, so you never pay twice, and you'll see the exact amount before you confirm (Auto to AutoMax is prorated, so you pay only the difference). Downgrades apply at your next billing cycle.
Agent Plan
White-label and start your own agency. Plans start at $99/mo and include a website, user portal, lead magnets and funnels, full client automation, follow-up nurturing, custom portal controls, custom emails, and more. Contact admin to get started.
Unlock your financial goals
Whether you're planning for a car, home, refinance, or starting a business — 850 AI gives you clarity, control, and the ability to dispute negative items through every channel.
Learn credit repair free
Short video courses with quizzes on 850 University — plus step-by-step guides to remove collections and dispute bureaus.