Choose Your Path to 850
From credit clarity to full automation — pick the plan that matches your goals. No contracts. Cancel anytime.
Take Control
Pro
3-bureau monitoring with automated import, letter generation, plus mail, email & fax with tokens.
- 3-Bureau Monitoring + Import
- Automated Letter Generation
- Mail, Email & Fax
- 10 Tokens (1 = 3 mailed pages)
- Score Tracking & Change Log
- 850 AI chat — no message limits
Cancel anytime
Set It & Forget It
Auto
Allow your 850 AI agent to handle disputes, follow-ups, and escalation — with mailing and unlimited email & fax.
- All the Pro features, plus…
- Monthly AI Agent — Select & Activate
- Disputes, Follow-Ups & CFPB/FTC Escalation
- Mailing + Unlimited Email & Fax
- Business Builder Suite
Cancel anytime
Try It Out
Free / DIY
Free for 30 days — no credit card required
First 30 days free — $0 due today
An Experian credit report refreshed monthly, free dispute letters, budget tools, 850 University, and an AI chatbot for your report.
- Free Dispute Letters
- Experian Report, Refreshed Monthly
- Budget & Calculator Tools
- 850 University + AI Chatbot
Free for 30 days, then $18.99/mo — cancel anytime
Agent Plan
For people who help others improve their credit. Invite clients, manage their progress, and let 850 AI automate the repetitive work behind the scenes.
Agent Plan
Clients can sign up under your account.
Guided setup included
Unlock Your Financial Goals
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.
Which Plan is Right for You?
Pro
3-bureau monitoring with automated import, letter generation, and mail, email & fax with included tokens.
Auto
Allow your 850 AI agent to handle disputes, follow-ups, and escalation — with mailing, unlimited email & fax, and Business Builder Suite.
Free / DIY
Try it free for 30 days, then $18.99/mo. An Experian credit report refreshed monthly, free dispute letters, budget tools, and 850 University.
Compare All Features
| Feature | Pro $50/mo | Auto $200/mo | Free / DIY 30 days free, then $18.99/mo |
|---|---|---|---|
| Letter Creation | |||
AI Letter Generation Create dispute letters from screenshots or text | + from report | + from report | |
Free Letter Downloads Download your letters as PDF anytime | |||
Smart Reply System Snap a photo of any letter you receive — AI writes your response | |||
| Core Features | |||
850 AI Chat Your credit assistant — no message limits on any plan | Chat AI Premium | ||
All Calculators & Tools Car, home, and loan calculators — know your costs before you buy | |||
Goal Planner Set a goal, get daily tasks — AI guides you until you achieve it | |||
Business Builder Suite Share your idea, AI creates a step-by-step plan and investor deck | |||
Vehicle & Home Search Live inventory + listings search with payment planning | |||
Funding Insights & Lender Database Published lender programs matched to your profile | |||
Mailing via 850mail Published rates: Mail = 1 token per 3 pages • Email = 1 token • Fax = 1 token | |||
850mail Tokens Included Included with your plan each month | 10 tokens/mo | Mail included | Pay per letter |
Buy More Anytime Token packs at published rates — no hidden fees | N/A | ||
| Monitoring & Tracking | |||
Credit Report Source Free / DIY: bring your own during the trial, then we pull Experian monthly | We pull 3 bureaus monthly | We pull 3 bureaus monthly | Experian monthly |
| Change Log & Tracking | |||
| Notifications | Real-Time | Real-Time | Limited |
| Dispute Capabilities | |||
| Mail Disputes (via 850mail) | Included | Per letter (tokens) | |
| Email Disputes | Included | Per letter (tokens) | |
| Fax Disputes | Included | Per letter (tokens) | |
Monthly AI Agent — Select & Activate Choose what your 850 AI agent handles each month and activate it | |||
Disputes, Follow-Ups & CFPB/FTC Escalation Your agent handles the heavy lifting and keeps you notified | |||
Frequently Asked Questions
What's the difference between plans?
Pro ($50/mo) includes 3-bureau monitoring, automated letter generation, and 10 850mail tokens monthly. Auto ($200/mo) deploys a monthly 850 AI agent for disputes, follow-ups, and escalation — with mailing, unlimited email & fax, and Business Builder Suite. Free / DIY is free for 30 days, then $18.99/mo — you get an Experian credit report refreshed monthly and pay per letter to mail.
How does the 30-day free trial work?
Free / DIY is free for your first 30 days — $0 due at signup. During the trial you link or upload your own credit report. After 30 days it's $18.99/mo (or $102/yr if you chose annual), and that unlocks an Experian credit report you can refresh monthly. We show you the exact first-billing date at checkout and you can cancel anytime before it, online, with no fee.
What is 850mail and what are tokens?
850mail is the digital mailing service that prints and sends your letters by USPS with tracking. It's priced per letter in tokens (1 token per 3 mailed pages; email and fax are 1 token) — the full rate card is published at /mail-pricing. Pro includes 10 tokens monthly; Auto includes mailing.
Does anything get mailed without my approval?
Never. You can review and edit every letter first. Mailing only happens when YOU send a letter from its letter card, or click Deploy on a prepared batch (Auto). Your click is what triggers the send.
What is Auto?
Auto lets your 850 AI agent handle disputes, follow-ups, and escalation each month — you choose what to activate and get notified of every change and action taken. Mailing, unlimited email & fax, and Business Builder Suite are included.
Can I upgrade, downgrade, or cancel?
Anytime, online, from your dashboard — no calls, no cancellation fee. Upgrades take effect immediately; downgrades at your next billing cycle.
Learn credit repair free
Short video courses with quizzes on 850 University — plus step-by-step guides to remove collections and dispute bureaus.
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