About 850ai

850ai is consumer-operated AI credit software. It analyzes credit reports across all three bureaus — Equifax, Experian, and TransUnion — identifies errors, duplicate collections, and unverifiable negative items, and drafts dispute letters tailored to each account. The consumer reviews and can edit every letter. Nothing is mailed until you click send on a letter or Deploy on a prepared batch. When a bureau verifies an item without proof, 850ai prepares the next step: direct creditor disputes, method-of-verification demands, and CFPB complaints, cycle after cycle.

Unlike a traditional credit repair company, 850ai is software the consumer controls — disputes go out under your own name, using your own rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, and nothing is ever mailed until you review the letters and click send or Deploy. Mailing is fulfilled by 850mail, our digital USPS mailing service, at published page-based rates. You see everything: what was found, what was sent, what came back, and what happens next.

On the Auto plan, rounds are prepared automatically: monthly report pulls, new-item detection, letter drafting, response interpretation, and the next escalation. Mail is included. You still click Deploy before anything is sent.