Dispute Negative Items with AI

Upload your credit reports & let Ai generate powerful, custom-crafted dispute letters in just minutes. ⚡

Dispute from Your Phone 📱 or Computer 💻 — Anytime. Anywhere.

Behind every powerful deletion is a letter curated with precision. Our Credit Intelligence Technology builds your letters with your exact details, your accounts, and your disputes — designed to challenge all 3 bureaus.

Get Started

    ✅ Dispute: Personal InfoLate paymentsStudent LoansCollections Charge-offsBankruptcyHard InquiriesMedical BillsIncorrect limitsEvictions

    How It Works

    Step 1

    Upload Credit Report

    All 3 Bureaus Experian, Equifax, Transunion— We See What’s Hurting You Most

    Step 2

    Ai & Experts Create Winning Letters

    Custom Crafted with Advanced Credit Intelligence Technology

    Step 3

    You Mail & Watch the Results

    Receive your letters & Fast-track Your Credit Journey with Ease

    Pricing

    GoldMost Popular$58

    • ✓One-time professional dispute letter package

    • ✓Customized to your credit report

    • ✓Includes name corrections, inquiries, and negative accounts

    • ✓Professional formatting with relevant laws

    • ✓1 Round of letters (single dispute wave)

    • ✓Metro 2 & FCRA compliance language

    • ✓Challenge ALL negative reporting

    Get My Letters Now

    Platinum 🚀Best Value$97

    • ✓3 Rounds of aggressive dispute letters

    • ✓Fully customized for your credit report with deeper compliance review

    • ✓Metro 2, CDIA Guidelines, and FCRA (15 USC) referenced in every round

    • ✓Designed for tougher cases & re-disputes after verification

    • ✓Professional formatting on every letter

    • ✓Ongoing support between rounds

    • ✓Great for stubborn negative accounts

    • ✓Challenge ALL negative reporting
    • ✓Best Value
    Get My Letters Now

    Become an Affiliate Partner With Us

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    AI-Powered Credit Solutions

    Clever Kit – Your Complete AI Credit Ecosystem

    Credit Intelligence Solutions, Dispute Automation, and Score Optimization — all powered by advanced AI. One platform. Multiple tools. Real, measurable results.

    4.9 average rating · 2,000+ reviews

    Live credit health snapshot
    AI optimized
    Your AI-Optimized Score
    742
    +120 boost score CK Boost
    7 negative items removed
    250k+ disputes processed
    94% success rate AI disputes
    9% credit utilization On‑track
    18 mo on‑time payments Consistency

    Unified credit workspace

    All your credit tools, finally connected.

    Everything your credit needs. Nothing extra. Powerful Automations One AI system to dispute negative items, fight collectors, and automate credit repair.
    Connects seamlessly with your existing lenders, bureaus, and workflows.
    Bureaus
    Tradelines
    Partner apps
    Connects seamlessly with your existing lenders, bureaus, and workflows.
     

    Bureaus

     

    Tradelines

     

    Partner apps

     
    CK
     
     
     
     

    CLEVER KIT (CK)

    AI-built dispute letters tailored to your credit.

    Upload your reports and get custom dispute letters in minutes.

    Get Started »

    CLEVER KIT PRO (CKP)

    Smarter credit repair with automation.
    Boost scores and AI manage all disputes in one place.
    Get Started »

    CLEVER KIT VALIDATE (CKV)

    AI-powered debt validation.
    Force collectors to prove the debt — or stop reporting it.
    Get Started »

    CK Boost

    Coming soon

    Trade line optimization, utilization coaching, and on-time payment strategies to grow scores.
    Guided plans, proactive nudges.

    CK Partners

    Coming soon

    Referral-ready experiences for mortgage, auto, and fintech partners with shared visibility.
    White-label and co-branded portals.

    CK Legal Tools

    Coming Soon

    Pre-drafted, AI-personalized dispute and escalation templates built with compliance in mind.
    For lawyers and advanced practitioners.

    Consistent results, at scale.

    Track the impact of every dispute, letter, and coaching touchpoint with a live results dashboard and activity feed.

    Users helped

    48,213

    +1,204 this week

    Negative items removed

    312K

    Across bureaus YTD

    Average score increase

    +104 pts

    In first 90 days

    Success rate

    93%

    Of disputes resolved

    Live outcomes feed
    Updating in real time
    AL
    Alex L. 🎉 removed 5 collections
    Atlanta, GA CK Boost
    MR
    Maria R. 🚀 gained 78 pts
    Dallas, TX Clever Kit
    JB
    Jade B. ✅ verified 12 tradelines
    Seattle, WA CK Validate
    TS
    TruScore LLC 💼 onboarded 134 clients
    Miami, FL Clever Kit Pro

    Stories from customers who turned credit into leverage.

    From first-time homebuyers to nationwide agencies, Clever Kit AI delivers measurable, defensible results.

    “I felt stuck with bad credit for years. Clever Kit finally helped me make real progress — my credit score is the highest it’s ever been.”
    Jordan M.
    Denver, CO
    “I used Clever Kit Pro to clean up my reports. It’s like having a credit expert in your pocket.”
    Serena K.
    Austin, TX
    “I sent one validation letter using Clever Kit and the collection disappeared. I wish I found this sooner.”
    Daniel R.
    Chicago, IL