Credit Repair
Understand. Dispute. Rebuild.
CreditGoal AI identifies negative items and connects with Boost My Credit Scores for dispute letter generation and bureau workflow management.
5-Step Process
From credit report to dispute resolution.
Upload Your Credit Report
Import a copy of your credit report from AnnualCreditReport.com (free). CreditGoal AI reads and categorizes every account, negative item, and inquiry.
Identify Negative Items
The system flags late payments, collections, charge-offs, bankruptcies, repossessions, and outdated items that may be removable under the FCRA.
Review Inquiries
Every hard inquiry is listed with date and lender. Unauthorized or duplicate inquiries may be disputable.
Generate Dispute Letters
boostmycreditscores.comConnect to Boost My Credit Scores to generate bureau-ready dispute letters for Equifax, Experian, and TransUnion — pre-populated with your specific item details.
Track Status
Monitor each dispute through the 30–45 day bureau investigation window. Track which items have been removed, updated, or verified.
Ecosystem Partner
Dispute letters powered by Boost My Credit Scores.
CreditGoal AI handles the analysis. Boost My Credit Scores handles the dispute letter workflow — bureau-specific, FCRA-compliant, and pre-populated with your data.
Boost My Credit Scores
boostmycreditscores.com
- Bureau-specific dispute letters (Equifax, Experian, TransUnion)
- Creditor dispute letters
- Debt validation letters
- Identity theft dispute templates
- Dispute status tracker
Know Your Rights
FCRA rights every consumer should know.
The Fair Credit Reporting Act gives you specific rights when it comes to your credit file.
You have the right to dispute inaccurate or incomplete information for free
Bureaus must investigate disputes within 30 days (45 days if you use free annual report)
Negative items generally fall off after 7 years (10 years for bankruptcy)
You can dispute directly with the original creditor as well as the bureau
You can add a 100-word statement of explanation to any dispute
Identity theft items can be blocked — not just disputed
This is general educational information. CreditGoal AI is not a law firm and does not provide legal advice. Consult a consumer rights attorney or HUD-approved counselor for specific situations.
Bureau Contacts
Direct bureau dispute contact information.
Equifax
866-349-5191
equifax.com/personal/disputes
Experian
888-397-3742
experian.com/disputes
TransUnion
800-916-8800
transunion.com/credit-disputes