A Smarter Approach to Credit
Better Credit Starts With Smarter Guidance.
Meet your personal AI credit guide. Understand what's affecting your credit, explore your options, and build healthier financial habits with step-by-step support.
ACCESS
No sign-up to start
PRIVACY
Never asks for your SSN
SUPPORT
Real advisors on call
Please don't share your SSN, account numbers, or passwords. Privacy & AI disclosures
How it works
A smarter path to better credit.
A transparent process built for long-term credit health — powered by AI, guided by real advisors.
FREE CREDIT REVIEW
Your review starts with all three bureau reports.
Equifax, Experian, and TransUnion don't always report the same thing. Our AI audit reads all three side by side — because the differences between them are often where errors hide, and you can't dispute what you can't see.
- AI deep audit & error scan of every bureau
- Personalized action plan, in plain language
- Strategy consultation with a real advisor
Credit intelligence
An AI that reads the details — and knows its limits.
Members get an AI deep audit of all three bureau reports, flagging items worth a closer look. In public chat, the assistant only educates: it's always clear that it's AI, never promises score changes, and hands disputes, billing, and account questions to a real advisor.
- AAnswers common credit questions, 24/7
- BExplains utilization, payment history, and credit reports
- CPrioritizes your next steps and explains how disputes work
- DIntroduces member tools and connects you to an advisor
Credit health education
Learn what moves your credit — in minutes.
Client platform
Real tools for members, in one secure portal.
Members sign in to the secure True Credit client portal to track progress, share documents, and work directly with an advisor.
Client stories
Real people. Real progress.
Hear in their own words what better credit opened up for them. Tap play — sound on.
“Good credit can change everything.”
[CLIENT NAME] · [CITY, STATE]
“I always knew good credit was important.”
[CLIENT NAME] · [CITY, STATE]
YOUR STORY
Your next chapter starts with one review.
See what's on all three of your reports and get a clear plan from a real advisor.
Start My Free Credit ReviewTestimonials reflect individual experiences; results vary and are not guaranteed. [Confirm each speaker is a real client and disclose any compensation or free services they received.]
Pricing
Clear pricing. No surprises.
Start free with the AI guide. When you're ready, choose a restoration package — fees are always shown before you pay.
Credit Report & Platform Access
3-bureau credit report pull · AI deep audit & error scan · Personalized action plan · Client dashboard access · Strategy consultation
$250 one-time
Waived when you pay in full
EDUCATION
AI Credit Guide
$0
No account required
- ✓ Unlimited educational conversations
- ✓ Personalized learning next steps
- ✓ Option to reach an advisor
RESTORATION
MOST POPULAREssential
$250
Pay in full · or monthly over 12 months
- ✓ Disputes across all 3 bureaus
- ✓ Up to 5 negative items per round
- ✓ Monthly dispute rounds
- ✓ Real-time dashboard tracking
- ✓ Email support
PRIVATE CLIENT
Elite
By consultation
Contact us for pricing
- ✓ Everything in Accelerated
- ✓ Cease & desist handling
- ✓ Credit-rebuild roadmap
- ✓ Utilization & habit coaching
- ✓ 12 months of advisor support
90-Day Money-Back Guarantee
If we don't find any actionable dispute opportunities within 90 days, your package fee is refunded. Results are not guaranteed, and all fees are disclosed before purchase. True Credit is a credit education and dispute assistance service, not a law firm.
FAQ
Honest answers.
No. The public assistant is an educational tool. It can't pull, view, or verify your credit reports, scores, or client account. Account-specific work, including the AI audit of your reports, happens in the secure client portal with our team.
No one can honestly guarantee a specific score change. Credit depends on what's in your reports and how accounts are managed over time. We focus on education, accurate reporting, and steady habits — results vary from person to person.
Yes. You have the right to dispute inaccurate information directly with the credit bureaus and the companies that reported it, at no cost. Some people choose professional help for organization and support — it's your choice.
The AI assistant offers free, general credit education. A restoration package adds hands-on dispute assistance from our team, plus access to the secure client portal for progress tracking, document uploads, and support.
Yes — a 90-day money-back guarantee: if we don't find any actionable dispute opportunities within 90 days, your package fee is refunded. We can't guarantee specific results or score changes.
The assistant never asks for your Social Security number, card or account numbers, or passwords. It only asks for basic contact information if you request a follow-up or consultation, and only with your consent.
[Cancellation and refund terms — pending written business approval]
IMPORTANT DISCLOSURES
The TrueCredit AI Assistant is an automated AI tool that provides general credit education. It is not a person, and its responses are not legal, financial, or credit-counseling advice. It cannot access your credit reports or client account.
Results vary. True Credit Advisors does not guarantee any change to your credit score or the removal of accurate information. You have the right to dispute inaccurate information directly with the credit bureaus and with the companies that report it, at no cost.
Questions? Email [email protected]. [Business-specific credit services disclosures and cancellation rights — pending legal review.] Privacy Policy · Terms of Service
