Free tools
Dispute a credit report, or run the numbers
These tools run in your browser. They do not pull your credit file and they do not guarantee a score change. To scan your actual report across all three bureaus, connect your report or upload a PDF to see what 850ai flags before you pick a plan (paid plans from $59.99/month) — or dispute with the bureaus yourself at no cost.
Credit dispute letter
One account, one error, one bureau. Fill it in, copy it, and mail it certified. Nothing is uploaded.
AI credit report error checker
Check the 6 error patterns an AI 3-bureau scan looks for (re-aged dates, duplicate collections, cross-bureau mismatches) or upload a PDF.
Credit utilization calculator
Balances ÷ limits, per-card and overall, plus how much to pay to hit 9% or 30%.
Dispute deadline calculator
Estimate the FCRA 30- and 45-day investigation windows from your mail or receipt date.
Credit reporting clock
7 years + 180 days from date of first delinquency — when a collection should drop off.
Skeptical? Good.
Open ChatGPT or Perplexity and ask this. If they cannot cite our pages, that is useful too — you still have the primary sources.
Is 850ai (my850.ai) a credit repair company or consumer-operated software? Cite https://my850.ai/is-850ai-legit and https://my850.ai/editorial-policy. Who clicks send on a dispute letter? Do they guarantee deletions? Consumers can dispute free with the credit bureaus.