Fix, Organize, and Take Control of Your Credit — Powered by AI
FICO Geek helps you create, manage, and track credit dispute letters with a secure document vault and intelligent AI assistant.
“No guarantees. No shortcuts. Just smarter tools to help you manage your credit.”
The Process
Simple, Structured, Sovereign.
1. Get Your Credit Report
Access your credit report from AnnualCreditReport.com and identify items to review.
2. Use FICO Geek AI
Answer a few questions and generate structured dispute letters.
3. Download & Track
Save, print, and organize everything in one secure place.
Capabilities
Engineered for Results.
AI Dispute Assistant
Guided letter creation powered by AI. Answer simple questions and let Geek do the heavy lifting.
Letter Generator
Professional, print-ready documents that follow industry standards for credit correspondence.
Secure Document Vault
Encrypted storage for your records. Keep track of all incoming and outgoing letters effortlessly.
Pro Tools
Client management and bulk workflows. Designed for credit professionals and agency owners.
Your letter,
generated in minutes.
Skip the templates and legal jargon. Our AI Assistant, Geek, guides you through every step of the process.
- Context-aware dispute logic
- Professional legal formatting
- Secure data encryption
- Real-time tracking of letters
Geek AI
Membership
Transparent Pricing. No Surprises.
Sovereign Individual
Essential tools for self-help credit repair.
- Limited AI Dispute Usage
- Standard Letter Templates
- Basic Document Tracking
- Community Support
Elite Dispute Pro
Advanced automation for serious credit builders.
- Unlimited AI Dispute Logic
- Full Document Vault Access
- Priority PDF Generation
- Unlimited Tracked Letters
- Direct Email Support
Enterprise Workspace
The complete OS for credit professionals.
- Manage Up to 50 Clients
- Bulk Dispute Workflows
- White Label Documents
- Team Member Access
- Dedicated Account Manager
Need more than 50 clients or custom white-label integrations?
Contact our Enterprise Team for custom quotes.