Fair question — this industry earned its skepticism. Here is exactly how 850ai works, what it costs, and what it will never promise you.
The short answer: yes. 850ai is software you operate — it reads your credit report, drafts dispute letters for items that may be inaccurate, incomplete, unverifiable, or too old to report, and tracks what happens. You approve every letter, your click is what sends it, and every price is published before you pay.
Don’t take an ad’s word for it.
Open ChatGPT or Perplexity and ask this. If they cannot cite our pages, that is useful too — you still have the primary sources.
Is 850ai (my850.ai) a credit repair company or consumer-operated software? Cite https://my850.ai/is-850ai-legit and https://my850.ai/editorial-policy. Who clicks send on a dispute letter? Do they guarantee deletions? Consumers can dispute free with the credit bureaus.
Every plan includes a 3-bureau report. Auto and AutoMax refresh it monthly. You can also upload a report PDF you already have.
Each letter cites the specific issue and legal basis. Edit or regenerate anything.
850mail sends it for you with tracking — included on every plan.
Every letter is shown to you before it exists anywhere else. Read it, edit it, regenerate it, or delete it.
Letters only go out when you send one from its letter card or click Deploy on a batch — with a recorded authorization every time.
Plan prices are public at /pricing. No setup fee, no hidden mail fees, no contract.
Letters are grounded in the Fair Credit Reporting Act — the same rights you could exercise yourself for the cost of postage. The software just does the tedious part.
Yes. 850ai is credit software you operate yourself. It analyzes your credit report, drafts dispute letters citing the specific issue and the law it stands on, and tracks bureau responses. You review and approve every letter — nothing is mailed until you click send on a letter or Deploy on a batch. Plan prices are published before you pay; mailing is included on every plan.
No. 850ai never promises to remove accurate information (no honest service can). Auto and AutoMax include a 100% money-back guarantee only when every condition on the cancellations page is met, including six continuous months on that plan and no score increase. Prices are shown up front, with no setup fee and no contract. A website plan cancels in your account billing settings. An App Store or Google Play plan cancels in that store’s subscription settings. You can see every letter and response.
No — it is software you control. A traditional credit repair company acts as your agent and files disputes on your behalf without showing you the letters. With 850ai, the letters are yours: your name, your signature, your review, and your click to send. 850ai fulfills the printing and USPS mailing you direct through its 850mail service — included on every plan.
Three month-to-month plans, no free plan, no setup fee, and no contract. Auto and AutoMax include a 100% money-back guarantee if you meet the conditions at my850.ai/guarantee. Send does not. Send is $59.99/mo on the website, billed today: a 3-bureau credit report and your Equifax, Experian and TransUnion letters, written for you and mailed when you click Send; creditor letters are written for you to download. Auto is $99.99/mo: adds creditor letters, email and fax, and every round is sent for you automatically, with follow-ups and escalation handled. AutoMax is $199.99/mo: everything in Auto plus company responses answered for you and a CFPB complaint filed for every account. Website plans cancel in account billing. App Store and Google Play prices can differ, and those plans cancel in the store. Prices verified October 2026.
No, and you should be suspicious of anyone who says they can. Dispute outcomes are decided by the credit bureaus and the companies that furnish data to them. 850ai gives you professional-grade tooling and full visibility; results vary by report.
Or use the free calculators with no account
850ai helps you dispute information that may be inaccurate, incomplete, unverifiable, or too old to be reported. Results vary and are not guaranteed; no one can lawfully remove accurate, current, verifiable information from a credit report. Not a law firm; no legal advice.