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Dispute Beast: DIY Credit + AI

Dispute Beast: DIY Credit + AI

AI-Powered Credit Repair App

114 ratings
23 reviews
🔧 Utilities
💰 Finance
Free

Details

  • Released
  • Updated
  • April 9, 2026
  • September 17, 2026

Features

Developer

JDDB Holdings, LLC
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About

This AI-powered finance app empowers users to take control of their credit repair journey. It identifies negative items on credit reports, generates dispute letters, and facilitates mailing them to credit bureaus. Get personalized guidance and track your progress towards a better financial future.

✓AI-powered credit report analysis
✓Automated dispute letter generation
✓In-app mailing service
✓Personalized credit coaching
✓3-bureau credit report access
✓Attack tracking and IQ action plans
✓Credit education resources
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What's New in Dispute Beast

1.0.19

September 17, 2026

This update makes Dispute Beast faster, smoother, and more reliable, helping you stay focused on your credit journey while we deliver an even better experience.

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User reviews

Most RecentHighest RatedLowest Rated

Disappointing

This app really isn’t as AI as it says all my other apps show me live credit scores on all three bureaus except for this one.. my credit has gone up without using them and they haven’t even updated that in the two months I’ve been with them. I definitely would not use them.
MsBonillaMsBonilla

started and I can’t wait to see the results thank u Dispute Beast can’t wait

Thank all
G-shock99G-shock99

Easy

Easy to use, quick and so far very efficient
KaeTee_14KaeTee_14

Credit went down

My borrowing power went up and I took a credit drop with no balances. 10-pts across the board with no explanation
StejbxnyStejbxny

Very IMPRESSIVE

I was skeptical at first decide to give it a chance and first month very impressed with results, everything is broke down and very detail for your information. Highly recommend
Jrodz024Jrodz024
See 18 more reviews

FAQ

Does Dispute Beast have ads?

Yes, Dispute Beast contains advertisements. As a free application, it relies on ads to support its services.

How does Dispute Beast's AI credit coach work?

The AI Credit Coach provides personalized credit guidance in plain English. You can ask it questions about your score, areas to focus on, and how to reach specific credit goals, with your data remaining private and secure.

What credit bureaus does Dispute Beast work with?

Dispute Beast pulls your latest 3-bureau credit report, which includes data from Equifax, TransUnion, and Experian. It helps you identify and dispute negative items across all three.

How often can I run a dispute cycle with Dispute Beast?

Dispute cycles with Dispute Beast run every 40 days. The app helps you track your progress and notifies you when your next attack window opens.

What is Sprint Mail in Dispute Beast?

Sprint Mail is an in-app mailing center that handles printing, stamping, and mailing your dispute letters directly to the credit bureaus. This feature saves you time by eliminating the need to visit a post office.

Is Dispute Beast available on Android devices?

Currently, Dispute Beast is only supported on iPhone devices. The app's platform compatibility is limited to iOS at this time.

What is the age rating for Dispute Beast?

Dispute Beast has an age rating of 17+. This is due to the nature of financial management and credit repair topics covered within the application.

How does Dispute Beast compare to hiring a credit repair agency?

Dispute Beast is a DIY tool that provides the technology and resources for you to manage your own credit repair. Unlike agencies, it does not dispute on your behalf, giving you direct control and potentially lower costs.