Stop guessing. Let 850 AI analyze your credit report, identify negative items, and generate professional dispute letters in seconds.
Or try 850 AI instantly:
Average Score Increase
In first 90 days for active users
Dispute Success Rate
Negative items removed or updated
Average Savings
From better loan rates & approvals
Watch how our AI-powered platform can transform your credit journey in under 2 minutes
Join thousands who are already transforming their financial future with 850 AI
Credit repair shouldn't be a mystery. Traditional methods are slow, expensive, and confusing. You're left wondering what to dispute, how to write letters, and if it's even working.
Costing you thousands in higher interest rates and denied applications.
Credit reports are complex. Knowing what effectively disputes items is hard.
Spending hours writing letters or months waiting for results that never come.
There is a better, faster way.
Two easy connections. Unlimited AI-powered insights.
Securely link your credit report from any bureau. 850 AI instantly analyzes your accounts, scores, and opportunities.
Teach 850 AI about your financial goals, budget, income, and circumstances. The more it knows, the better it can guide you.
See how 850 AI analyzes your credit and provides actionable insights
How's my credit?
850 AI
Your credit is fair (around 650). I noticed you have a $2,400 collection on Experian from Capital One that's impacting your score.
Would you like me to help you get that removed? I can create professional dispute letters right now and mail them in 📝
This is a real example of how 850 AI analyzes your credit and provides proactive, actionable guidance.
Let 850 AI create professional dispute letters and automatically send them for you
When you connect your credit report and train your AI, it gains powerful insights to provide truly personalized guidance
850 AI understands what you're working toward—whether it's buying a home, getting a better credit card, or reaching an 850 score. Every recommendation aligns with your objectives.
With knowledge of your financial capacity, 850 AI suggests realistic strategies and opportunities that fit your budget—no pie-in-the-sky advice.
Every account, balance, payment history, inquiry, and collection—850 AI analyzes it all to identify issues, spot opportunities, and craft targeted dispute strategies.
Understanding your financial journey—past hardships, late payments, or collections—helps 850 AI create compelling dispute letters with context that works.
850 AI learns from your spending habits, utilization trends, and payment behaviors to predict the best times for applications and actions.
Whether you need a car loan next month or want to refinance in a year, 850 AI tailors every strategy to your timeline and priorities.
The result? Personalized, actionable advice that actually works for your unique situation.
From credit applications to major purchases, 850 AI is your intelligent financial companion for every decision
Your 24/7 AI credit assistant. Ask questions, get insights, and take action through natural conversation
Get personalized advice on which credit cards to apply for, when to apply, and how to maximize your approval odds
Optimize your banking strategy with insights on account types, interest rates, and savings opportunities
Get pre-qualified, understand your rates, and negotiate better terms with confidence
Navigate the mortgage process with AI-powered insights on rates, down payments, and approval strategies
Find the best loan options, compare rates, and understand your borrowing power
Remove negative items, dispute errors, and optimize your credit profile with automated AI assistance
AI-powered budget tracking, payment calculators, and financial planning tools to optimize your finances
And much more. 850 AI learns from your unique financial situation to provide personalized guidance.
Real stories from people who took control of their credit.
"I was stuck in the 500s for years. 850 AI found errors I missed and generated letters instantly. My score is now 720!"
James D.
Verified User
"The Auto Blast feature is a game changer. One click and my disputes were done. Saved me so much time and stress."
Sarah M.
Verified User
"Finally bought my first home thanks to 850 AI. It told me exactly what to fix to get approved. Worth every penny."
Michael R.
Verified User
From credit clarity to full automation — pick the plan that matches your goals. No contracts. Cancel anytime.
Understand and Plan
AI-powered guidance and tools for credit clarity and financial planning.
Dispute Smarter
1-Month Free Trial
then $49.99/mo
Everything in Chat plus credit monitoring and dispute capabilities.
Maximum Impact
3-bureau access, Auto Blast, and premium contacts for serious credit repair.
Set It & Forget It
Fully automated disputes with unlimited everything. AI handles it all.
Need more disputes before renewal? Tokens available for additional dispute and complaint actions.
Whether you're planning for a car, home, refinance, or starting a business — 850 AI gives you clarity, control, and the ability to dispute negative items through every channel: mail, fax, email, and phone.
| Feature | 850 Chat $9.99/mo | 850 AI $29 + $49.99/mo | 850 AI Pro $129.99/mo | 850 AI Auto $199/mo |
|---|---|---|---|---|
| Core Features | ||||
| 850 AI Guide & Advisor | ||||
| Goal Planner | ||||
| All Calculators (DTI, Mortgage, Auto) | ||||
| Budget Planner | ||||
| Credit Report Analysis | ||||
| Auto & Home Search | ||||
| Business Builder | ||||
| Monitoring & Tracking | ||||
| Credit Monitoring | — | 1 Bureau | 3 Bureaus | 3 Bureaus |
| Change Log & Tracking | — | |||
| Notifications | — | Limited | Real-Time | Real-Time |
| Dispute Capabilities | ||||
| Mail Disputes | — | 3/mo | 10/mo | Unlimited |
| Email Disputes | — | 10/mo | Unlimited | Unlimited |
| Fax Disputes | — | 10/mo | 50/mo | Unlimited |
| Smart Reply System | — | |||
| Auto Blast (One-Click All Letters) | — | — | ||
| Fully Automated Disputes | — | — | — | |
| Premium Features | ||||
| Premium Contacts (CFPB, FCC, Regulators) | — | — | ||
| AI Outbound Calling (Beta) | — | — | — | |
| Priority Support | — | — | — | |
850 Chat ($9.99/mo) is for planning and guidance. 850 AI ($29 setup + $49.99/mo after 1-month trial) adds dispute capabilities. Pro ($129.99/mo) adds Auto Blast and 3-bureau access. Auto ($199/mo) is fully automated.
Auto Blast (Pro and above) lets you generate dispute letters for ALL accounts with one click. Standard members must select accounts individually.
Most members see their first deletions or score improvements within 30-60 days. Significant changes typically occur within 3-4 months.
Yes! There are no contracts. You can cancel or change your plan anytime directly from your dashboard.
Stop guessing with your credit and finances. Let 850 AI analyze your unique situation and guide you to better credit, better rates, and better opportunities.
Join thousands already improving their credit • Flexible plans available