Editorial Policy
Last updated August 28, 2026
850ai publishes credit education so consumers can use the same rights they already have under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Guides on the blog, the glossary, and 850 University are educational. They are not legal advice, not a promise of deletion, and not a substitute for talking to a licensed attorney about your situation.
Who writes this
Public byline: Charlie, 850ai. Charlie builds AI credit-dispute software at 850ai (my850.ai). We keep the byline limited — first name and role only. Articles are reviewed against this policy before they go live. Company context is on About 850ai.
Research standards
- Legal clocks and rights are checked against the statute or a primary regulator source (CFPB, FTC, official bureau dispute pages) before we state them as fact.
- Competitor comparisons use publicly listed features and are dated. We do not invent product menus. When a vendor changes a plan, we update the article’s
updateddate. - Complaint volume and industry stats cite the agency (for example CFPB complaint data) rather than a recycled blog number.
- Collector pages describe business model, typical debt types, and consumer rights. They do not accuse a company of illegal conduct without a public record.
CROA and what we will not claim
850ai is software the consumer operates. Disputes go out under your name. Nothing is mailed until you review the letters and click send or Deploy. We will not:
- Guarantee that any item will be deleted or that a score will rise
- Tell you to dispute accurate information as “not yours”
- Imply you must pay us to exercise free bureau or CFPB rights
- Sell or recommend paid “tradeline rental” schemes
Consumers can pull reports at AnnualCreditReport.com, dispute with Equifax, Experian, and TransUnion at no cost, and file a complaint at consumerfinance.gov/complaint at no cost. How 850ai differs from a credit repair organization is on Is 850ai legit?.
Corrections and updates
Material articles carry a visible “Updated” date. We revise when the law, bureau policy, or a named competitor’s public product changes, or when a reader flags an error. Send corrections to the support link on About. We do not silently rewrite a guide to match a marketing campaign.
Affiliate and commercial disclosure
Blog posts describe 850ai because we make it. Comparison tables include 850ai on purpose. We do not accept paid placements to appear in our own “best tools” list. If that ever changes, the article will say so at the top.