Dispute AI®
Dispute AI® is an AI-powered DIY credit-repair SaaS platform, operated by ScoreBuilder, Inc., that automates credit-report analysis and FCRA-compliant dispute letter generation for individual consumers and also provides white-label and affiliate programs for entrepreneur partners.
- Company typePrivate
- Founded2021
- HeadquartersStockton, United States
- Headcount1–10
- GTM typeB2C
- OfferingSoftware
What Dispute AI® does
Dispute AI® is an AI-powered DIY credit-repair software platform operated by ScoreBuilder, Inc., a privately held company headquartered in Stockton, California and founded in 2021. The platform targets individual consumers seeking a lower-cost alternative to traditional credit-repair agencies, as well as entrepreneurs who use the company's white-label offering to operate branded credit-repair businesses. Core functionality combines AI-driven credit-report analysis with automated generation of FCRA-compliant dispute letters, supported by real-time credit monitoring across Equifax, Experian, and TransUnion, and an anomaly-detection alerting layer for changes, new inquiries, and potential identity-theft signals.
The product portfolio is structured around three subscription tiers: a $39.99/month Starter Plan providing 3-bureau reports, monitoring, and AI disputing tools; a $97/month Unlimited Plan adding identity-theft insurance, privacy protection, and a done-for-you service; and a White-Label Plan at a $97 setup fee plus $97/month, which includes a pre-built website, partner portal, marketing automation, and Advance API access. Adjacent modules include Finance Labs™ (a financial-product recommendation hub covering credit cards, loans, savings, investing, and funding) and Dispute Statistics™ (a published case-study and outcomes dashboard). The CEO and founder, Maurice A. Shabazz, is the public face of the company and the principal content author.
Go-to-market is product-led with a direct self-serve sign-up flow, reinforced by an affiliate program and the white-label channel for partners; customer acquisition is supplemented by content marketing, multi-platform organic social, and PR placements in Yahoo Finance, NBC4i, Fox40, and MSN. Dispute AI discloses no revenue, funding rounds, or institutional investors; operations run with 1–10 employees, indicating a lean, founder-led operating model.
Dispute AI® firmographics
Firmographics- Name
- Dispute AI®
- Legal name
- ScoreBuilder, Inc.
- Website
- https://disputeaipro.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Dispute AI® is an AI-powered DIY credit-repair SaaS platform, operated by ScoreBuilder, Inc., that automates credit-report analysis and FCRA-compliant dispute letter generation for individual consumers and also provides white-label and affiliate programs for entrepreneur partners.
- Ownership category
- akta.pro rank
Dispute AI® industry classification
Industry- Product category
- Credit Repair Software
- NAICS
- Credit Bureaus (561450), Activities Related to Credit Intermediation (5223)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI)
Keywords
Where Dispute AI® is headquartered
LocationHeadquarters
- HQ city
- Stockton
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Dispute AI® business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations, Infrastructure
Revenue model
- Starter Plan Subscription: Monthly subscription at $39.99 providing access to the core DIY credit repair platform including 3-bureau credit reports and scores, credit monitoring and alerts, AI credit repair software, and financial tools and resources for building credit history.
- Unlimited Plan Subscription: Premium monthly subscription at $97 providing full-service credit repair, identity theft insurance, privacy protection and internet data scrub, plus all features from the Starter Plan. Includes process done-for-you service.
- White-Label Partner Program: Partners pay $97 fee to start and $97 per month thereafter. Partners receive branded platform, automated tools, marketing resources, training, and support. First 5 signups cover the monthly fee. Partners can earn substantial income by serving their own clients.
- Affiliate Program: Referral-based income opportunity where affiliates earn commissions by referring new customers to Dispute AI's platform and services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Starter Plan - Essential DIY credit repair tools |
| Subscription | Monthly | Unlimited Plan - Full-service premium credit repair |
| Subscription | Monthly | White-Label Plan - Launch branded DIY credit repair business |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Dispute AI® product offering
Product offeringCore offering
Dispute AI® is an AI-powered DIY credit repair platform that analyzes consumer credit reports from Equifax, Experian, and TransUnion, identifies inaccuracies, and auto-generates FCRA-compliant dispute letters. It provides real-time credit monitoring and alerts, and offers a white-label platform enabling entrepreneurs to launch branded credit repair businesses with pre-built websites, marketing tools, and API access.
Product overview
Dispute AI™ is an AI-powered DIY credit repair platform that combines over 20 years of credit repair expertise with cutting-edge artificial intelligence. The product portfolio consists of three subscription tiers (Starter at $39.99/month, Unlimited at $97/month, and White-Label starting at $97), supplemented by Finance Labs™ for financial product recommendations and an Affiliate Program for referral income. The core platform provides AI-driven credit analysis, automated dispute letter generation, real-time credit monitoring, and personalized dispute strategies. The White-Label Plan enables entrepreneurs to launch branded credit repair businesses with pre-built websites, custom portals, marketing automation, and API access.
Differentiator
Problem solved
Functional benefit
Brands
- Finance Labs™: Financial transformation hub offering credit building, savings, investing, funding, and wealth strategy resources including credit cards, loans, checking accounts, and business financing.
Products and services
- Starter Plan Entry-level DIY credit repair subscription at $39.99/month providing 3-bureau credit reports and scores, credit monitoring and alerts, AI-powered credit disputing software, and financial tools for building credit history; targeted at individual consumers seeking affordable DIY credit repair.
- Unlimited Plan Full-service premium credit repair plan at $97/month including everything in the Starter Plan plus identity theft insurance, done-for-you process handling, and privacy protection with internet data scrub; targeted at individual consumers wanting a hands-off credit repair experience.
- White-Label Plan Branded DIY credit repair business platform enabling entrepreneurs to launch their own credit repair service under their own brand. Includes pre-built website, custom portal, tracking system, marketing tools, affiliate portal, and Advance API access for custom integrations. Starts with $97 one-time setup fee and $97/month ongoing; targeted at aspiring entrepreneurs and financial professionals.
- Finance Labs™ Financial transformation hub connecting users with curated financial products including credit cards, personal loans, auto loans, home loans, business financing, checking accounts, high-yield savings, credit builder loans, rent reporting, subscription reporting, and investing resources tailored to credit profile.
- Dispute Statistics™ Case studies and analytical data platform showcasing verified results of the DIY credit repair software in removing negative items from credit reports including late payments, charge-offs, and collections.
- Affiliate Program Referral program allowing partners to earn income by referring new customers to Dispute AI; partners can set their own rates and retain profits without merchant fees.
Quantifiable outcome
- Credit score improvement of 60 points in 3 months for some users
- +2 more outcomes
Companies that use Dispute AI®
Customer profileNamed customers12 records
Segments2 records
Ideal customer profiles2 records
Dispute AI® technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature6 records
Dispute AI® partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights4 records
Dispute AI® competitors and assessment
Company assessmentBroad incumbents
- Credit Karma: Large-scale free credit monitoring and financial product recommendation platform owned by Intuit. Comparable to Dispute AI as a consumer-facing credit services platform, though Credit Karma monetizes via referrals rather than credit-repair subscriptions and offers its services free.
- Credit Sesame: Free credit monitoring and financial product recommendation platform offering credit scores, identity theft protection, and lending offers. Broad incumbent similar to Credit Karma; competes indirectly with Dispute AI on credit monitoring and financial product referral.
- Experian Boost: Bureau-affiliated free service that raises FICO scores using alternative data such as utility and streaming payments. Indirect but significant competitive overlap with Dispute AI because it offers free score improvement at the bureau level, reducing consumer willingness to pay for paid dispute services.
Direct peers
- Lexington Law: One of the largest traditional credit repair firms in the US, providing subscription-based professional credit repair services. Directly comparable to Dispute AI's core credit repair offering, though relies on attorney-staffed services rather than DIY AI automation.
- Sky Blue Credit: Long-established credit repair subscription service offering unlimited disputes, score analysis, and creditor interventions. Directly competes with Dispute AI's Starter and Unlimited Plans on price and similar DIY-style service model.
- Credit Saint: Subscription-based credit repair company providing credit monitoring, dispute letters, and score tracking. Overlaps directly with Dispute AI on subscription tiers, dispute automation, and target consumer segment seeking credit improvement.
- SmartCredit: Credit monitoring and credit repair platform providing 3-bureau credit reports, score tracking, and dispute assistance. Comparable subscription-based credit services with multi-bureau coverage overlapping Dispute AI's core product.
- The Credit People: Subscription-based credit repair service offering unlimited disputes and dedicated paralegal support. Directly comparable to Dispute AI's Unlimited Plan on price and DIY-with-support service model.
Emerging players
- Dovly: AI-driven credit improvement platform that automates dispute letters and credit monitoring, very closely matching Dispute AI's AI-powered DIY model. Strong emerging competitor with similar technology approach and subscription pricing.
- Self (formerly Self Lender): Credit-building fintech offering credit-builder loans and rent-reporting services to help consumers establish or improve credit profiles. Adjacent to Dispute AI's Finance Labs vertical, both serving consumers seeking credit improvement through alternative financial products.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Dispute AI® social profiles
Digital presenceDispute AI® financial estimates
Financial estimateRevenue estimate
Valuation estimate
Dispute AI® leadership team
Management profileNumber of profiles
Profiles1 record
Dispute AI® funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Dispute AI® M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Dispute AI®
What does Dispute AI® do?
Dispute AI® is an AI-powered DIY credit repair platform that analyzes consumer credit reports from Equifax, Experian, and TransUnion, identifies inaccuracies, and auto-generates FCRA-compliant dispute letters. It provides real-time credit monitoring and alerts, and offers a white-label platform enabling entrepreneurs to launch branded credit repair businesses with pre-built websites, marketing tools, and API access.
Is Dispute AI® a public or private company?
Dispute AI® is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Dispute AI® founded?
Dispute AI® was founded in 2021. It employs 1 to 10 people.
Where is Dispute AI® based?
Dispute AI® is headquartered in Stockton, United States, in the North America region.
How does Dispute AI® make money?
Four revenue lines are on record. Starter Plan Subscription is the primary driver. The others are unlimited Plan Subscription, white-Label Partner Program and affiliate Program.
Who are Dispute AI®'s main competitors?
Broad incumbents on record are Credit Karma, Credit Sesame and Experian Boost. Direct peers are Lexington Law, Sky Blue Credit, Credit Saint, SmartCredit and The Credit People. Emerging players are Dovly and Self (formerly Self Lender).
Does Dispute AI® have an API?
Yes. Advance API Access is available with the White-Label Plan, described as allowing partners to 'Integrate With Anything.' The API enables white-label partners to build custom integrations and automate credit repair workflows.
What industry is Dispute AI® in?
Dispute AI®'s product category is Credit Repair Software. Its primary akta.pro industry code is FSAKAKAI, Credit File Dispute Management & Consumer Data Remediation. Its NAICS code is 561450 and its SIC code is 7320.