About 850ai
850ai is consumer-operated AI credit software. It analyzes credit reports across all three bureaus — Equifax, Experian, and TransUnion — identifies errors, duplicate collections, and unverifiable negative items, and drafts dispute letters tailored to each account. The consumer reviews and can edit every letter. Nothing is mailed until you click send on a letter or Deploy on a prepared batch. When a bureau verifies an item without proof, 850ai prepares the next step: direct creditor disputes, method-of-verification demands, and CFPB complaints, cycle after cycle.
Unlike a traditional credit repair company, 850ai is software the consumer controls — disputes go out under your own name, using your own rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, and nothing is ever mailed until you review the letters and click send or Deploy. Mailing is fulfilled by 850mail, our digital USPS mailing service — included on every plan. You see everything: what was found, what was sent, what came back, and what happens next.
On the Auto plan, rounds are prepared automatically: monthly report pulls, new-item detection, letter drafting, response interpretation, and the next escalation. Mail is included. You still click Deploy before anything is sent.
What 850ai includes
- AI credit report analysis across all three bureaus, from a connected monitoring service or an uploaded report
- Automated dispute letter generation, mailing (standard or certified), and delivery tracking
- Response tracking with per-account dispute history and automatic escalation strategy
- CFPB complaints filed for every account on AutoMax
- Credit monitoring, score tracking, alerts, and goal planning
- 850 University — 90+ short video courses on credit, disputes, business credit, and consumer rights, with quizzes and certificates
- Budget, payoff, and opportunity calculators, plus an AI credit chat that answers questions about your actual report
Plans
Plans are Send ($59.99/mo), Auto ($99.99/mo), and AutoMax ($199.99/mo). There is no free plan. Mailing is included on every plan. Send includes the three-bureau report and your Equifax, Experian and TransUnion letters, mailed when you click Send. Auto adds creditor letters, email and fax, and sends every round automatically, and AutoMax also answers company responses and files CFPB complaints. Current prices are on pricing. How 850ai sits next to Dovly, Credit Versio, Dispute Beast, and the monitoring apps is in Best AI credit repair tools in 2026.
Find 850ai online
Same product, same company — YouTube lessons, reviews, and social are part of the 850ai entity, not separate brands.
Contact
Support: my850.ai/support · Legal: Terms / Privacy