Frequently Asked Questions

I Credit Robot is a subscription-based, self-directed financial literacy and credit management software platform. Members receive educational resources and tools they can use to better understand and manage their credit information.

No. I Credit Robot is not a credit repair organization. We do not dispute, remove, or negotiate items on your credit report and we do not act on your behalf with any creditor or credit bureau. Members receive education and tools to make their own informed decisions. You control the actions you choose to take inside your account.

Membership is $79.99 per month with no setup fee, no long-term contract, and the ability to cancel anytime.

You can cancel directly from your member dashboard. Your access continues through the end of your current paid billing period, and future renewals will stop automatically.

If you are not satisfied, you may request a full refund of your first payment within 7 days of your initial purchase by emailing info@icreditrobot.com. After that 7-day window, payments already made are non-refundable, and unused portions of a billing period are not prorated. See the Refund & Cancellation Policy for full details.

No. You can get your free credit reports directly from AnnualCreditReport.com and learn to read them yourself. Our educational resources teach you how to understand the information on your reports and identify what you may want to address.

No, never. I Credit Robot does not contact, negotiate with, or take any action on behalf of you with any credit bureau or creditor. You control all actions and decisions related to your credit information.

Members have access to monthly educational Q&A sessions with financial experts. These sessions focus on financial literacy topics, credit management education, and answering member questions about the resources available to them.

You can typically create your account and begin accessing educational resources in less than 10 minutes. The time needed to explore resources and apply what you learn depends on the pace you choose.

Members have access to AI-assisted support, the in-platform support ticket system, and monthly live educational Q&A sessions with financial experts.

No. Results vary. I Credit Robot does not guarantee credit score increases, removal of information, credit approvals, or any specific financial outcome. We provide education and tools to help you make more informed decisions.

No. I Credit Robot is not affiliated with Equifax, Experian, TransUnion, or any government agency.

I Credit Robot is intended for adults age 18 or older who have a valid U.S. Social Security number and access to the U.S. consumer credit reporting system.