AI-powered. Human-approved. Built on consumer law.

We don't send disputes. We engineer results.

Credibot uses the power of AI and automation to rebuild financial reputations for the people who keep this country running: hard-working, middle-class Americans. Every item on your reports gets audited against federal law, documented, and challenged with evidence.

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  • 4AI Experts on every file
  • 3bureaus audited
  • 100%human-approved
From the team behind Credit One USA, serving clients since 2009.
1 in 5

consumers had an error on at least one of their three credit reports.

Federal Trade Commission study, 2013
30 days

is how long the bureaus generally have to investigate a dispute. We track every one of those deadlines for you.

Fair Credit Reporting Act, 15 U.S.C. § 1681i
Since 2009

our founders have been fixing credit files through Credit One USA. Credibot is that playbook, re-engineered for the AI era.

Our exclusive credit monitoring partner

Credibot has partnered with

Every Credibot file runs on current three-bureau data, so we chose one monitoring platform and built around it. SmartCredit® is a simple all-in-one app that puts you in charge of your credit, money and privacy.

  • Track all three scores. See your Experian, Equifax and TransUnion credit scores and reports in one place.
  • Action buttons. Communicate directly with your banks and creditors from inside the app.
  • Alerts and privacy tools. Get notified of changes and use PrivacyMaster® to request removal of your personal data online.
  • $1MM ID fraud insurance included with the membership.
How it works

Four steps from a damaged report to a fundable profile

01

Free Credibot Scan

The scan is free. We read your three bureau reports from your SmartCredit® membership and show you, line by line, what's hurting you and why.

02

Full legal audit

Our four AI Experts check every account against the FCRA, the FDCPA and credit reporting standards, then builds your Case File.

03

Challenge cycles

Every 35 days we challenge what's inaccurate, unverifiable or outdated, track the deadlines, and escalate when the other side falls short.

04

Build and protect

You leave with a playbook to stay strong: the right accounts, the right utilization, and ongoing monitoring through SmartCredit®, our exclusive credit monitoring partner.

The AI Experts

Four AI Experts work your file. A human signs off.

They audit your credit the way a legal team would. Nothing is guesswork: every finding cites the evidence and the law behind it, and a human Reputation Engineer approves every Case File before anything goes out.

E

Agent Evan

Director of Disputes

Maps every line on all three reports, directs the team, tracks every legal deadline, and blocks anything that can't be proven.

B

Agent Brian

Fair Credit Reporting Act

Audits accuracy, dates, duplicates and outdated items, and holds the bureaus to their investigation duties under the FCRA.

R

Agent Robert

Fair Debt Collection Practices Act

Examines every collection account and collector under the FDCPA: validation, disputed status, amounts and conduct.

O

Agent Olie

Strategy and case law

Turns every finding into a plan: which challenge to run, what to demand, and when a documented violation goes to a consumer-law attorney.

Live case runFictional sample file
  1. Reports in3 bureaus read
  2. Brianaccuracy audit
  3. Robertcollections
  4. Oliestrategy
  5. EvanCase File built
  6. Your engineerapproves

Reading Equifax, Experian and TransUnion…

What a dispute mill sends"This account is not mine." Same letter, every client.
What Credibot sendsThe exact field, the value reported, the law it breaks, and the proof.
Who we serve

Built for the people who keep the country running

Individuals and families

Buying a home, financing a car, or tired of paying more for everything because of an old mistake on your report. We restore the profile and teach you to keep it.

Get my free Credibot Scan

Entrepreneurs and business owners

Business Capital 911 is our free interactive analysis. Our AI underwriting expert completes a full review that turns a small business owner's financial information into a verified, actionable funding profile.

Explore Business Capital 911

Lending and industry partners

Loan officers, attorneys, tax professionals and business consultants: turn the clients you can't approve today into the closings you win tomorrow.

Explore the partner program
New for business owners

Business Capital 911

Business Fundability Intelligence at your fingertips. A free interactive analysis with an AI underwriting expert and a human Capital Advisor. No upfront fees. No hard credit pull.

Check my Fundability in 60 seconds
  • Statements read like a lenderTrue sales, NSFs, existing debits
  • Fundability ScoreFive pillars, 0 to 100, with the fixes
  • 15% payment guardrailCapital you can carry
  • Advisor-reviewed dossierSubmitted through Rok Financial
Our standard

The law is on your side. We make sure it's enforced.

You pay after the work

Never a fee before the work is performed. That's the law, and it's how we've always operated.

Every challenge is true

We challenge what's inaccurate, unverifiable or outdated. No shortcuts that put you at risk.

A human signs off

AI does the heavy lifting. A Reputation Engineer reviews and approves every Case File.

You see everything

Your client portal shows what we found, what we sent, and every response, in plain English.

Free courses

Your roadmap, step by step. Free.

HOA

Home Ownership Approved

From renter to homeowner: your budget, your loan program, your mortgage score and a plan a loan officer can approve. Built for first-time buyers and rent-to-own tenants.

Start free → REBUILT

The post-bankruptcy financial reset

A personal 30/90/365-day roadmap from discharge to your next big goal.

Start free → APPROVED

Unlock the SBA loan

Get your business SBA-ready under the 2026 rules, from eligibility to closing.

Start free →
FAQ

Questions we hear every day

Is this legal?

Yes. Federal law gives you the right to challenge inaccurate, unverifiable or outdated information, and requires the bureaus and the companies reporting it to investigate. We exercise those rights for you, precisely and on the record.

What does it cost?

Every file is different, so we cover pricing on your strategy call after we've looked at your situation. You'll never pay before work is performed.

Can you guarantee results?

No honest company can. We guarantee the work: every challenge is specific, documented and true. Accurate, current information can legally stay on your report.

How long does it take?

We work in 35-day cycles because the bureaus generally have 30 days to respond. Most clients work with us for several cycles, depending on what their reports show.

Can I do this myself?

Yes. You can dispute inaccurate information with the credit bureaus yourself at no cost. Clients hire us for the expertise, the legal audit and the follow-through.

Do I need credit monitoring?

Yes. To work your file we need current reports from all three bureaus. We use SmartCredit®, our exclusive credit monitoring partner: $1 for a 7-day trial, then $24.99 a month, billed by SmartCredit® and separate from Credibot's fees. You keep the app, your scores and your alerts.

Is my information safe?

Your Social Security number and full account numbers are removed before any AI system sees your reports, and access to your file is limited to your Reputation Engineer.

Your plan starts with a conversation.

Book a 20-minute strategy call. We'll review your free Credibot Scan with you, walk through your options and pricing, and you decide. No pressure.

Book my strategy call
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