FAQ
No guarantees, no fine print games. Here's exactly how AICreditFly works and what it costs.
No. AICreditFly™ assists with credit repair — but we are not a credit repair organization under CROA. We are an AI-powered financial advocacy and credit optimization platform: we give you the dashboard, the educational tools, the dispute drafts, and (on Premium) an AI Financial Advocate that places authorized calls to creditors with your documented consent. You direct every action. We do not charge advance fees for guaranteed deletions, and we do not guarantee removals — no legitimate service can.
No. Every score pulled inside AICreditFly — including the free educational VantageScore 3.0 on your dashboard AND the official tri-merge FICO 2/4/5 mortgage report you can purchase from us (powered by Xactus) — is a soft inquiry under the FCRA because you are pulling your own file. Soft inquiries are invisible to lenders and have zero effect on your score. A hard inquiry only happens when a lender pulls your file to underwrite a loan you applied for.
Utilization-based gains can appear in 30 days. Dispute-driven deletions typically resolve in 30–45 days per FCRA timelines. Settlement negotiations on collections take 60–120 days. Most users see a meaningful change inside 90 days, mortgage-ready transformations inside 4–6 months.
Never. Your AI Financial Advocate identifies itself as an authorized representative of AICreditFly™ calling on behalf of you, with documented consent. It does not impersonate you — that would violate the FDCPA and TCPA. It negotiates, disputes, and advocates for you like a super assistant in your pocket.
Pro ($15/mo) gives you the dashboard, full AI credit analysis, dispute letter generation, monitoring, alerts, and mortgage readiness scoring. Premium ($79.99/mo) includes everything in Pro plus your AI Financial Advocate — an AI agent that calls creditors, collections, banks, and hospitals on your behalf to negotiate fees, settle debts, remove late fees, and dispute errors. Basic is always free.
Sometimes. Accurate items can sometimes be removed through goodwill negotiation (for original creditors) or pay-for-delete settlements (for collectors). They cannot be removed by dispute alone — disputes only work against inaccurate, unverifiable, or improperly reported data.
No. We do not sell, rent, or share your personal information or credit data with third parties for marketing. Bureau pulls and dispute submissions are the only outbound data flows, and both are explicitly authorized by you per action.
It should not be on your report. The FCRA mandates removal 7 years from the original date of first delinquency. If it's still listed, dispute it as obsolete — bureaus must delete.
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