✅ 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

Join Now

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. 

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 Ai credit tools, finally here!

One AI suite to fix your credit, fight collectors, and automate everything

CLEVER KIT CUSTOM (CKC)

AI-built dispute letters tailored to your credit.

Perfect for removing late payments, collections, charge-offs, and errors fast

Get Started »

CLEVER KIT PRO (CKP)

Smarter credit repair with automation.

Let AI run your disputes 24/7 and track deletions automatically.

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.

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

18,213

+204 this week

Negative items removed

31K+

Across bureaus YTD

Average score increase

+104 pts

In first 90 days

Success rate

93%

Of disputes resolved

Customer outcomes feed
Recent activity
AL
Alex L. 🎉 removed 5 collections
Atlanta, GA Clever Kit Pro
MR
Maria R. 🚀 gained 78 pts
Dallas, TX Clever Kit Pro
JB
Jade B. ✅ Deleted 8 collections
Seattle, WA CK Validate
TS
Marcos A. Late Payment deleted
Miami, FL Clever Kit Custom

Stories from customers

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