Simple, Transparent
Pricing
Choose the plan that fits your goals. No hidden fees, no long-term contracts — cancel anytime.
Educational software only. No human services. No guarantees of results.
Starter
Free Forever
No credit card required
What's Included
- AI credit report analysis (1/month)
- 3 dispute letter templates/month
- Credit score simulator
- Progress tracking dashboard
- Educational credit resources
- Basic credit improvement tips
- Community forum access
Results vary by individual
Premium AI
100% Automated Software
or $190/yr — save 17%
Pure software subscription • No human involvement
Everything in Starter, plus
- Unlimited AI-generated dispute letters
- Multi-AI analysis (GPT-4, Claude, Gemini)
- Automated credit monitoring & alerts
- AI Coach with unlimited messages
- Smart AI dispute sequencing
- Automated progress tracking
- AI score impact predictions
- Complete educational library
Educational software only. No human services. You review, edit, and send all letters yourself.
3-day cancellation right (CROA) · Cancel anytime
Professional
Maximum AI Power
or $490/yr — save 17%
Ultimate AI automation • Zero human involvement
Everything in Premium AI, plus
- All 5 AI models (GPT-4, Claude, Gemini, Grok)
- Multi-bureau AI analysis (all 3 bureaus)
- Automated follow-up letter generation
- Risk flag detection & smart alerts
- Advanced scenario simulation engine
- AI strategic insights dashboard
- Dispute outcome predictions
- Priority phone & live chat support
- All future AI features included
Advanced automation software. Powered by 5 AI models. No human services — you maintain complete control.
3-day cancellation right · CROA compliant
Frequently Asked Questions
Can I cancel anytime?
Yes. Cancel your subscription anytime with no penalties. Paid plans also come with a 3-day cancellation right under CROA.
Is there a free trial?
The Starter plan is free forever with no credit card required. You can explore AI tools before upgrading.
What does "educational software" mean?
CreditRise AI provides AI-powered tools to help you understand your credit. We do not dispute items on your behalf or guarantee any results. You review and send all letters yourself.
Can I switch plans?
Yes. Upgrade or downgrade at any time from your dashboard settings.
CreditRise AI is educational software only. We do not provide credit repair services, dispute items on your behalf, or guarantee any specific results. All results depend on individual circumstances. Individual results will vary.