Last updated November 13, 2026. CreditStride LLC, Conyers, Georgia.
CreditStride is free educational software. It uses AI to help you read your own credit reports, understand your rights, and prepare your own dispute letters and next steps. CreditStride is not a credit repair organization, a law firm, or a financial advisor, and nothing on this site or in the app is legal or financial advice.
You must be 18 or older to use CreditStride.
CreditStride uses artificial intelligence (Anthropic's Claude) to read the credit reports you upload and to help draft letters. AI can make mistakes. Check every item it points out against your own report before you act on it, and review every letter before you send it.
CreditStride does not contact credit bureaus, creditors or debt collectors on your behalf. You review, sign and send every dispute yourself. You only dispute information you believe is inaccurate, incomplete or unverifiable, and everything you tell CreditStride must be true. You have the right to dispute inaccurate information directly with the credit bureaus at no cost.
CreditStride's identity theft tools are only for information that resulted from real identity theft, meaning accounts or inquiries you did not open, apply for or authorize. You file any FTC Identity Theft Report yourself, directly with the Federal Trade Commission, and you are responsible for everything you state in it and in any letter you send. Knowingly making a false statement in an identity theft report is a federal crime (18 U.S.C. 1001). Credit bureaus investigate block requests and may refuse or reverse a block that was requested in error or based on a false statement (15 U.S.C. 1681c-2). CreditStride does not file reports for you, does not receive or store your FTC report, and does not knowingly assist with false reports. We may close accounts that misuse these tools.
CreditStride does not charge consumers any fee for its tools. If you choose to have a letter mailed for you, the mailing service charges you its own postage directly; CreditStride adds no markup.
No one can guarantee that information will be removed from your credit report or that your score will change. Credit bureaus must correct or delete information that is inaccurate or cannot be verified, but accurate, timely information may legally remain on your report. Results vary.
CreditStride is free because of two things. First, some of the products shown in the app, such as credit monitoring, credit-building products, credit cards, loans and business services, come from companies that may pay CreditStride a referral fee when you sign up. Second, CreditStride may show advertising, which is always labeled and never required to use any step. Partner offers are always optional, are labeled in the app, and never cost you more because you used CreditStride. Every CreditStride tool works without signing up for any partner product.
We use the information you give us only to provide the service. Your credit reports are stored privately and sent to our AI provider only to read them for you; our AI provider does not use them to train its models. We do not sell your personal information. You can ask us to delete your account and data at any time by emailing support@creditstride.app.
CreditStride LLC · info@creditstride.app · support@creditstride.app
These terms are a starting draft and will be expanded before the app launches.