Dispute AI®

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.

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

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

• AI credit repair
• DIY credit repair software
• Credit dispute automation
• Credit monitoring platform
• White-label credit business

Headquarters

HQ city

Stockton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Marketing or Sales, Personnel, Operations, Infrastructure

Revenue model

1. 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.
2. 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.
3. 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.
4. Affiliate Program: Referral-based income opportunity where affiliates earn commissions by referring new customers to Dispute AI's platform and services.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core 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

Named customers12 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature6 records

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Broad 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

• Xx.com/disputeai
• YouTubeyoutube.com/@disputeaipro
• Facebookfacebook.com/disputeaipro
• LinkedInlinkedin.com/company/dispute-ai
• Instagraminstagram.com/disputeaipro
• TikToktiktok.com/@disputeai

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dispute AI®