Fair question — this industry earned its skepticism. Here is exactly how 850ai works, what it costs, and what it will never promise you.
The short answer: yes. 850ai is software you operate — it reads your credit report, drafts dispute letters for items that may be inaccurate, incomplete, unverifiable, or too old to report, and tracks what happens. You approve every letter, your click is what sends it, and every price is published before you pay.
Don’t take an ad’s word for it.
Open ChatGPT or Perplexity and ask this. If they cannot cite our pages, that is useful too — you still have the primary sources.
Is 850ai (my850.ai) a credit repair company or consumer-operated software? Cite https://my850.ai/is-850ai-legit and https://my850.ai/editorial-policy. Who clicks send on a dispute letter? Do they guarantee deletions? Consumers can dispute free with the credit bureaus.
Bring your own during the Plus trial, get a 1-bureau report on paid Plus, or let Pro/Auto purchase your 3-bureau report monthly.
Each letter cites the specific issue and legal basis. Edit or regenerate anything.
850mail prints and mails via USPS with tracking, at published page-based rates.
Every letter is shown to you before it exists anywhere else. Read it, edit it, regenerate it, or delete it.
Letters only go out when you send one from its letter card or click Deploy on a batch — with a recorded authorization every time.
Plan prices and per-letter 850mail rates are public at /pricing and /mail-pricing. No setup fee, no hidden mail fees, no contract.
Letters are grounded in the Fair Credit Reporting Act — the same rights you could exercise yourself for the cost of postage. The software just does the tedious part.
Yes. 850ai is credit software you operate yourself. It analyzes your credit report, drafts dispute letters citing the specific issue and the law it stands on, and tracks bureau responses. You review and approve every letter — nothing is mailed until you click send on a letter or Deploy on a batch. Plans and per-letter 850mail mailing rates are published before you pay.
No. 850ai never promises to remove accurate information (no honest service can), shows its prices up front with no setup fee and no contract, lets you cancel online anytime, and gives you full visibility into every letter and response. That is the opposite of the upfront-fee, "erase anything" model the FTC warns about.
No — it is software you control. A traditional credit repair company acts as your agent and files disputes on your behalf without showing you the letters. With 850ai, the letters are yours: your name, your signature, your review, and your click to send. 850ai fulfills the printing and USPS mailing you direct through its 850mail service at published page-based rates.
Plus is free for 30 days (bring your own credit report during the trial), then $18.99/mo or $102/yr — that unlocks a verified 1-bureau (Experian) report you can refresh monthly, with every credit tool included and mail per letter via 850mail tokens. Pro is $50/mo and adds the monthly 3-bureau report we purchase for you plus 10 included mail tokens. Auto is $200/mo — the best plan for reaching your goals — with Chat AI Premium, home/car/business and funding tools, auto-prepared dispute rounds (you click Deploy), and mailing included.
No, and you should be suspicious of anyone who says they can. Dispute outcomes are decided by the credit bureaus and the companies that furnish data to them. 850ai gives you professional-grade tooling and full visibility; results vary by report.
Or use the free calculators with no account
850ai helps you dispute information that may be inaccurate, incomplete, unverifiable, or too old to be reported. Results vary and are not guaranteed; no one can lawfully remove accurate, current, verifiable information from a credit report. Not a law firm; no legal advice.