Credit Lift AI — Help

Free on-device assistant for organizing credit report disputes. Import reports, review flagged items, draft letters, and track what you mail. Not a law firm or credit repair company.

What it does

Import credit reports (PDF, DOCX, or paste text)
Rule-based flagging using FCRA, FDCPA, and state law references
Optional OpenAI-enhanced analysis (your API key in Settings)
Dispute letter drafts and an 8-step bureau workflow
Dispute tracker, chat helper, and law library
Optional “Build credit” resource links

Dispute workflow (8 steps)

Start on the Dispute plan tab.
Work bureaus in order: Experian → Equifax → TransUnion → Innovis → ChexSystems → NCTUE → LexisNexis.
For each: import report → review flagged items → save letters.
Step 8 Send & track — use the Disputes tab to log certified mail and follow-ups.

Get the most out of it

Tip: The built-in rule engine works without an OpenAI key. Add a key in Settings only if you want deeper AI wording suggestions.

Get free reports at annualcreditreport.com before importing.
Enter your legal name and mailing address in Settings so letters populate correctly.
Review every letter before mailing — you are responsible for what you send.
Sensitive account numbers are redacted before optional AI review.
Mail disputes yourself via certified mail; the app does not send anything for you.

Settings

Profile — name and address for letter headers
OpenAI API key — optional; stored on your device only

Not legal or financial advice

Credit Lift AI is an organizer. Consult a licensed attorney for legal strategy. Results depend on accurate reporting and bureau responses.

Questions: support@draugerinc.com · Draugr Inc.