About the AI
What AI can’t do for your credit
Credit bureaus and the businesses that report to them decide what goes on a report, under rules set by law. Software doesn’t change that.
No AI can do these things
- It can’t remove accurate, timely information from a credit report.
- It can’t decide the outcome of a dispute. The bureau and the business that supplied the information investigate it.
- It can’t promise a particular credit score or a score increase.
- It can’t replace a lawyer’s advice on your situation.
Questions to ask any company advertising AI credit help
- What exactly does the AI do, and what does a person do?
- What information does it need from me, and who else receives it?
- How long is my information kept, and can I have it deleted?
- What happens if the AI gets something wrong?
- Could I do this myself for free? Disputing errors costs nothing.
Sources: FTC, Disputing Errors on Your Credit Reports; FTC, Fixing Your Credit FAQs.