MyMintCredit AI Powered Software

MY MINT CREDIT

AI-POWERED

CREDIT REPAIR MADE EASY

Fix Your Credit Fast With AI - Customized Disputes, Step-by-Step Guidance, Real Results

Your credit is unique. Your plan should be too.

Our AI Credit Repair System analyzes your reports, builds a personalized dispute strategy, and walks you through every step — automatically.

WHO IS THIS FOR?

If you can check even one box - this software was built for you!

High Credit Card Utilization

Anyone wanting a clean credit profile

Late payments

Identity theft issues

Medical Bills

Bankruptcy or repossession reporting errors

Collections

Charge-offs

WHY TRADITIONAL

CREDIT REPAIR FAILS!

YOUR CREDIT DESERVES SOMETHING SMARTER - AND MORE AFFORDABLE!

CREDIT REPAIR COMPANIES ARE SLOW

It used to take months of guessing, printing letters, and waiting for the bureaus to respond. Most people quit because they don't know what to dispute first. MyMintCredit removes all the confusion with a clear guided plan.

THEY USE GENERIC LETTERS

Most DIY templates aren't customized to your credit history, so the bureaus ignore them. Our AI generates personalized letters based on YOUR actual reports - increasing accuracy and improving dispute success!

YOU'RE LOCKED INTO EXPENSIVE SERVICES.

Traditional credit repair companies charge $80-$150 per month with little transparency and slow progress. MYMintCredit gives you more control, better results, and faster movement for just $39.95 a month.

Your Personal AI Credit Repair System

How My Mint Credit AI Works

Upload Your Credit Reports

Connect your reports securely through our partner provider.
Builds a Personalized Dispute Strategy

Your AI creates a multi-step action plan based on the Fair Credit Reporting Act.

AI Scans Your Entire Profile

Finds errors, duplicates, outdated accounts, unauthorized inquiries, and negative items.
Generates Dispute Letters Automatically

You receive polished, ready-to-send letters in seconds.

Tracks Results In Real Time - See what's been removed, what's pending, and what's next!

Get Started Now $39.99/month

We hate SPAM and promise to keep your email address safe.

See our AI Software in action!

TRY IT OUT NOW!

GET STARTED

Simple, Transparent Pricing - NO Hidden Fees!

Cancel anytime. No Contracts.

What's included:

AI Dispute Generator

Letters are far more effective at getting accounts permanently deleted than online disputes. My Mint Credit's letter generator helps you create effective disputes based on consumer protection laws.
Progress Dashboard

See deleted items, pending disputes, score trends, and next recommended actions all in one simple visual dashboard.
24/7 Access

Log in anytime to track your credit progress, generate new letters, or update your dispute plan from any device.

Unlimited Disputes & Personalized Letters

Dispute as many accounts as you want on all 3 bureaus at the same time. It doesn't matter if you have one account or fifty accounts to dispute. My Mint Credit can easily manage and track all of them.
Real-Time Tracking

Every month My Mint Credit imports your new 3 bureau credit report and shows which accounts were deleted and your new credit scores. If an account wasn't deleted, My Mint Credit will suggest a new strategy for additional disputes.
Built-in reminders

My Mint Credit remembers every single dispute. It knows when letters need to be mailed, when responses are due from each bureau and the date for the next credit report update.

Full Credit Audit

My Mint Credit's Artificial Intelligence knows which accounts are hurting your credit and helps you create powerful disputes to remove them.
Identity-Monitoring

Safeguard your family's financial future against identity theft with our $1M Fraud Insurance. Stop 3rd parties selling your info that reveal websites exposing your private info and request removal directly.
Next-Step Automation

No guesswork. The system tells you what to send, when to send it, and what to expect next as the bureaus respond.

My Mint Credit is a credit repair expert so you don't have to be.

What Customers Say About Us

Fixing your own credit used to require a ton of work and a bit of chance. But now, My Mint Credit makes fixing your credit and increasing your credit score fast and easy.

Very accurate and easy to use with quick turnaround results.

T. Davis

November 10

Very easy to use. And it does bring your score up if your diligent about sending letters.

D. Tucker

November 9

Excellent service and got my negative remarks removed from my credit report.

A. Carter

November 8

Preview

With consistent use, My Mint Credit helps most customers see score improvements in as little as 30-90 days.

"My goal is to make credit education simple and accessible using AI technology."

Shaunta' Gray

Appraiser • Broker • Investor • Entrepreneur • Credit Expert • AI Techprenuer

Simple, Transparent Pricing!

No hidden fees. Cancel anytime.

Traditional Repair

$99-149/mo

❌ Manual dispute process

❌ Slow response times

❌ Limited support

Best Value

MyMintCredit AI

$39.99/mo

✔ AI-powered analysis

✔ Automated disputes

✔ 24/7 monitoring

✔ Mobile app access

Get it Now

DIY Repair

Free

✔ No cost

❌ Time-consuming

❌ Complex process

❌ No guidance

START REPAIRING YOUR CREDIT TODAY

Credit success is easier when you have smart tools guiding the way.

💚 Begin for $39.99/month

Get Started Now

100% Privacy. We Will Never Spam You!

FAQ

Common questions:

How does your AI Credit Repair Software work?

My Mint Credit is a DIY software platform that guides you though the entire credit repair process.

It automatically imports and scans your three-bureau credit report, finds your negative accounts, looks for twenty different kinds of errors, then creates your dispute letters.

It performs the same function as a full service credit repair company only you print and mail the dispute letters yourself. My Mint Credit will automatically import and scan your new credit report every 40 days to provide the results and guide you through the next disputes letters until your credit repair has finished.

(My Mint Credit is free software, you only pay for a compatible three bureau monitoring account.

What kind of credit issues can your software help me with?

Our software can help you identify and dispute errors such as incorrect personal information, fraudulent accounts, outdated information on your credit report, inaccurate balances, any inaccurate information.

Why are my scores different/inaccurate?

There’s a lot of confusion when it comes to credit scores. Most of it has to do with these reasons.

1. You don’t have a credit report sitting somewhere waiting to be provided when you ask for it. Your credit report and scores are created the moment they’re requested using the information your creditors have provided up to that moment in time. Not all of your creditors update your file on the same day. Because of this reason, your credit report and scores can be different from one day to the next.

Example: Let’s say you got a credit report on Monday. Then Tuesday one of your credit card providers updated your account showing the balance has been paid off. On Wednesday your credit report and likely your scores would be different because of the newly updated account information.

2. There are two primary scoring models used in the United States…VantageScore and FICO. Because VantageScore and FICO use different mathematical formulas to calculate your credit score they will almost always be different. In addition to that, FICO has dozens of “industry specific” scores. Your auto, mortgage, credit card, and insurance FICO scores are calculated differently and create different scores.

Example: If someone has a 710 VantageScore, then later checks their credit card app and sees a 680 FICO score, it doesn’t mean their credit score dropped. It’s two different scoring models that produced two different credit scores.

How long until I see results?

The time it takes for our software to start improving your credit score depends on various factors such as the number and complexity of errors on your credit report, the responsiveness of credit bureaus, and the accuracy and completeness of the information you provide. Most customers see improvements in 30-90 days.

Can I cancel anytime?

Yes - no contracts or obligations.

Who sends the dispute letters?

As a do-it-yourself software platform, you select the accounts you would like to dispute, My Mint Credit creates the letters for you so you can print and mail them. When working to repair your credit there’s two very important things to consider.

Disputes must be sent by you. The Fair Credit Reporting Act permits credit bureaus and your creditors can ignore letters that have been sent by somebody other than you.

Send physical letters so you have a paper trail. Paper letters are handled differently by the credit bureaus and typically have much greater success than online disputes.

Sending the letters yourself is one of the reasons why people using My Mint Credit are getting the same if not better results than hiring a credit repair company.

Is this different from traditional credit repair?

Yes - you get AI generated personalized dispute plans instead of generic letters.

Do I need to be tech-savvy?

Not at all. We guide you step by step.

Do you guarantee results?

While we can't guarantee specific score increases or favorable results (no one legally can), 94% of our customers see positive changes within 90 days.

Is your software compliant with regulations such as the Fair Credit Reporting Act (FCRA)?

Yes, our software is fully compliant with regulations such as the Fair Credit Reporting Act (FCRA) and other laws that govern credit repair. We take compliance very seriously and ensure that our software and services adhere to all relevant regulations.

How secure is my personal information when I use your software?

Our software platforms use PCI level One DSS certified for safe processing of credit/debit transactions. Our software partnership conducts annual independent on-site audits to ensure appropriate security measures are followed. Your information is secured and encrypted. In addition, an independent 3rd party verifies the safety and integrity of the data and systems.

Are there any additional fees or hidden costs associated with using your software?

No, there are no additional fees or hidden costs associated with using our software. You do have to pay $39.99 for credit monitoring which also includes the use of our platform.

ABOUT US

My Mint Credit combines smart technology with proven dispute strategies to help you repair your credit quickly and confidently. We provide personalized insights, automated tools, and real-time tracking - all designed to put you back in control. Better credit starts with better support, and that's what we deliver.

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