Alexander Katsman

Why this site exists

Credit information online is written to sell something, and most of it is vague where it matters. People are told to "dispute errors" without being told that Section 605B of the Fair Credit Reporting Act forces a credit bureau to block information resulting from identity theft within four business days, or what four documents start that clock.

I started Credit Booster AI because the rules that protect consumers are specific, written down, and almost never explained plainly. The guides on this site are built from those primary sources rather than from other people's summaries.

How these guides are written

Every guide published here follows the same rules.

• Primary sources only. Statutory text, the CFPB, the FTC, and the bureaus' own published policy. Where a guide states a deadline or a legal right, that comes from the statute, and the section is named so you can check it.
• No guaranteed outcomes. Nobody can promise you a specific credit score, and under the Credit Repair Organizations Act nobody is allowed to. Where we give a range, it is a range, and we say what it depends on.
• No invented numbers. No fabricated statistics, no made-up expert quotes, no invented reviews. If a figure appears here, it has a named source.
• We say when something will not work. Accurate negative information cannot be removed. Some tactics sold as credit repair are illegal. Guides that leave that out are selling, not explaining.
• Corrections stay visible. When the law changes, or when we get something wrong, the page is updated and the change is dated rather than quietly rewritten.

What I work on

Credit Booster AI is a mobile app operated by CB.AI Inc, a Delaware corporation. It reads your reports across Equifax, Experian and TransUnion, flags what looks wrong, and drafts the paperwork each bureau requires. The writing on this site covers the same ground the product does, including the parts where the honest answer is that you do not need a product at all.

Corrections and contact

If something here is wrong, I want to know. Send it tocontact with the page and what you believe is incorrect, and include a source if you have one. Factual corrections get made.