AI-powered credit analysis

Your credit score tells a story. Make sure it's accurate.

Errors on your credit report can cost you thousands. CreditPilot helps you find them and take action.

Eric Wallace

Founder — and CreditPilot's first user

Founder's own lift

+100

I built CreditPilot after using this method to raise my own score by over 100 points.

  • 01

    Pulled my own tri-bureau reports

    Step 01

  • 02

    Disputed every inaccuracy — properly

    Step 02

  • 03

    Built CreditPilot so you can too

    Step 03

Founder's own documented result. Individual results vary — no result is guaranteed.

Scan

60s

Letters

You approve

Mail

USPS tracked

Feature · Dashboard

Your credit, analyzed by AI.

Pull your reports, review flagged items across all three bureaus, and take action from one dashboard.

Equifax
0
Fair
TransUnion
0
Fair
Experian
0
Fair
Mar 26Apr 26May 26Jun 26Jul 26Aug
3M6M1YALL

Suggestions

Illustrative preview — not customer data

EquifaxHigh impact

Dispute card account

Late payment reported incorrectly for closed account

Dispute·High impact
ExperianHigh impact

Dispute collection account

Requesting debt validation for collection account

Dispute·High impact
ExperianModerate impact

Pay down student loan to 30%

Reduce reported utilization from 111% to 30%

Utilization·Moderate impact
ExperianModerate impact

Pay down telecom account to 30%

Reduce reported utilization from 100% to 30%

Utilization·Moderate impact

Bureau

Equifax

Bureau

TransUnion

Bureau

Experian

System · How It Works

Three steps to accurate reports.

Pull your reports, review what our AI finds, and take action. You're in control the whole time.

Pull

Pull Your Report

We connect to all three bureaus with a secure soft pull. No impact on your score. Setup takes about five minutes.

Monitor

Continuous Monitoring

Our AI monitors your reports for inaccuracies, tracks changes across all three bureaus, and alerts you when action is needed.

Act

Take Action

Approve the letters you want to send. We print, mail, and track them. Monitor responses and score changes from your dashboard.

Ready · 5 min setup

Get Started

Trust · Mechanism

Built to earn trust, not borrow it.

CreditPilot is new — so instead of renting testimonials, here is exactly what happens when you use it, and why you stay in control of every step.

  • Control

    Nothing leaves CreditPilot without your explicit sign-off. You see the exact letter and the exact recipient, every time.

    You approve every letter before it's mailed.

  • In your name

    Bureaus receive them as what they are — a consumer exercising federal rights — and you can watch the tracking number the whole way.

    Letters are mailed in your name, first-class with tracking.

  • Your rights

    You could do all of this yourself at no cost. CreditPilot exists to do it thoroughly, correctly, and without the paperwork.

    Built on the FCRA §611 dispute process — the same rights you have for free, done properly.

Access · Pricing

Simple, transparent pricing.

Every plan includes monthly 3-bureau credit pulls and AI-powered analysis. Upgrade when you're ready to mail disputes.

Save 2 months on annual billing

Guardian

Monitor your credit health.

$24/ mo

$288/year save $60

  • All 3 bureaus — Equifax, TransUnion & Experian in one view
  • Fresh tri-bureau reports every month, automatically
  • AI Metro 2® scan finds reporting errors lenders miss
  • Monthly score & report history you can track over time
  • Your personalized credit action plan

Pilot

Popular

Improve your credit health.

$39/ mo

$468/year save $120

  • Everything in Guardian, plus:
  • 5 dispute letters mailed for you, every month
  • AI-drafted, FCRA-grounded letters — you approve every one
  • USPS first-class mailing with live tracking
  • Metro 2® Deep Scan across all three bureaus
  • Round-by-round dispute dashboard

Commander

Maximum credit protection.

$69/ mo

$828/year save $240

  • Everything in Pilot, plus:
  • 15 dispute letters a month — maximum safe volume
  • Daily tri-bureau credit monitoring between refreshes
  • Fraud & identity-theft alerts: new accounts, hard inquiries, personal-info changes
  • Full identity-theft restoration service included

Partner

For agencies & affiliates.

Custom

Volume pricing available.

  • Volume pricing
  • REST API access
  • White-label branding
  • Dedicated account manager
  • Custom SLA
Contact Us

Reference · FAQ

Questions, answered.

Common questions about how CreditPilot works, dispute letters, and billing.

General

Disputes

Billing