Choose Your Path to 850
From credit clarity to full automation — pick the plan that matches your goals. No contracts. Cancel anytime.
While this offer lasts
Free
Card on file — $0 charged
Connect your own credit report. All dispute letters created for you — $0 monthly, pay only for the actions you use. Card on file required.
- Connect your own credit report
- All dispute letters created for you
- Review, edit & download every letter — free
- Activate a 3-bureau report — $25.99 per pull
- CFPB & FTC filings — $9.99 each (one account at a time)
- Mail letters — token packs or $2 per page
- 850 University + AI chat
Card on file required — cancel anytime
Letters created — mail in app
DIY
3-bureau report + monitoring included. All letters created for you. Mail through the app with 30 mailed pages included.
- 3-bureau credit report + monitoring included
- All letters created for you
- Mail through the app — 30 pages included monthly
- Buy more mail tokens anytime
- CFPB & FTC filings — $9.99 each (one account at a time)
- 850 University + AI chat
Cancel anytime
Auto mailing + report updates
Pro
The automated plan — we mail for you and refresh your 3-bureau report every month.
- Everything in DIY, plus…
- Auto deploy — we mail for you
- Monthly 3-bureau report updates
- Mail, email & fax included
- CFPB & FTC filings included (one account at a time)
- Experian Direct disputes
- Automated follow-ups
Cancel anytime
Filings + unlimited AI
AutoMax
Full authorized automation: multi-account filings with automatic follow-up and escalation, LexisNexis, and unlimited AI.
- Everything in Pro, plus…
- Multi-account CFPB & FTC filings
- Automatic filing follow-up & escalation
- LexisNexis + Experian Direct
- More mail included
- Unlimited AI agents + premium chat
Cancel anytime
Limited time — 7 days only
AutoMax for 12 months — $1,000
One payment. Normally $2,300. CFPB, FTC, LexisNexis filings, auto mailing, monthly report updates, unlimited AI.
Agent Plan
White-label and start your own agency. Plans start at $99/mo and include a website, user portal, lead magnets and funnels, full client automation, follow-up nurturing, custom portal controls, custom emails, and more. Contact admin to get started.
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 — $99.99/mo
Auto mailing plus monthly 3-bureau report updates. Mail, email, and fax included, CFPB/FTC filings included (one account at a time), and Experian Direct.
AutoMax — $199.99/mo
Full authorized automation: multi-account CFPB/FTC filings with automatic follow-up and escalation, LexisNexis, more mail included, and unlimited AI.
Free / DIY
Free is $0 monthly (card on file) — pay only for actions: $25.99 per 3-bureau pull, $9.99 per filing, $2/page mail. DIY is $59.99/mo with the 3-bureau report and 30 mailed pages included.
Compare All Features
| Feature | Pro $99.99/mo | AutoMax $199.99/mo | Free / DIY $0 / $59.99 |
|---|---|---|---|
| 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 Mailing Included Included with your plan each month | Mail included | Mail included | DIY: 10 tokens/mo Free: pay as you go |
Buy More Anytime Token packs at published rates — or $2/page pay-as-you-go on Free | N/A | ||
| Monitoring & Tracking | |||
Credit Report Source Free: connect your own report, or activate a 3-bureau pull for $25.99 (per pull, incl. refreshes) | We pull 3 bureaus monthly | We pull 3 bureaus monthly | DIY: 3 bureaus included Free: BYO or $25.99/pull |
| Change Log & Tracking | |||
| Notifications | Real-Time | Real-Time | Limited |
| Online Filings | |||
CFPB & FTC Filings Filed online for you with confirmation & tracking | Included One account at a time | Included Multi-account batches | $9.99 per filing One account at a time |
Automatic Filing Follow-Up & Escalation We watch responses and escalate filings automatically | |||
Experian Direct Disputes Upload dispute documents straight to Experian's portal | |||
LexisNexis Filings Dispute data-broker records feeding the bureaus | |||
| Dispute Capabilities | |||
One-Click Deploy (AutoBlast) Send a whole prepared dispute round in one click | |||
| Mail Disputes (via 850mail) | Included | Included | Tokens — or $2/page on Free |
| 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?
Free ($0/mo) creates all your letters and lets you pay per action — report pulls, filings, and mail. DIY ($59.99) includes the 3-bureau report and 30 mailed pages. Pro ($99.99) auto-mails, updates your report monthly, and includes filings one account at a time. AutoMax ($199.99) adds multi-account filings with automatic escalation, LexisNexis, and unlimited AI.
Is a card required for Free?
Yes. Every plan — including Free — requires a card on file. Free has no monthly charge; your card is only charged for actions you choose (a report pull, a filing, or pay-per-page mail), and you always see a confirmation with the exact price before anything is charged.
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). DIY includes 10 tokens monthly (30 pages). Pro and AutoMax include mailing with their plan. On Free you can buy a token pack (best value) or pay $2 per page with your card on file.
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 AutoMax?
AutoMax is full authorized automation: auto mailing, monthly report updates, multi-account CFPB and FTC filings that follow up and escalate automatically, LexisNexis filings, unlimited AI agents, and premium unlimited chat.
Can I upgrade, downgrade, or cancel?
Anytime, online, from your dashboard — no calls, no cancellation fee. Upgrades take effect immediately with the prorated amount shown before you confirm; downgrades apply 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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