Your path to financial freedom starts here.
Breathe combines AI-powered credit dispute automation and debt settlement negotiation to help working Americans fix their credit and reduce their debt—in one affordable platform.
Pay $0 today to reserve your spot and lock in early access pricing.
Are you trapped in the debt cycle?
Millions of Americans struggle with the same challenges every day.
You're not alone. 77 million Americans have debt in collections—most don't know where to start. There has to be a better way.
Meet Breathe: The AI assistant that fixes credit AND settles debt
Breathe is the first AI-powered platform that combines credit dispute automation with debt settlement negotiation—so you can fix your credit report and reduce what you owe, all in one place.
- AI scans your credit reports for errors
- Generates FCRA-compliant dispute letters
- Submits disputes automatically
- Tracks progress in real-time
- Analyzes your debts and budget
- Calculates realistic settlement offers
- Negotiates with creditors on your behalf
- Coordinates payment plans across debts
3 simple steps to start breathing again
Connect
Securely connect your credit reports and debts. Our AI scans for errors and settlement opportunities in minutes.
Review
We show you a clear plan: what we'll dispute, which debts we'll target, and what you're likely to save.
Relax
Breathe handles disputes, negotiations, and reminders automatically. You get updates as your credit and debt improve.
Lock in launch pricing—no payment today
Reserve your plan now and get exclusive early access pricing when we launch in Q2 2026.
Monitoring + Disputes
Join the waitlist for $0 today
- Credit report scanning (all 3 bureaus)
- AI dispute letter generation
- Unlimited credit disputes
- Real-time dispute tracking
- Ongoing credit monitoring
Lock in $29/month for launch. Your card isn't charged today.
Active Negotiation
Join the waitlist for $0 today
- Everything in Monitoring + Disputes
- Debt settlement negotiation
- AI-calculated settlement offers
- Payment plan coordination
- Deadline reminders and status updates
Lock in $49/month for launch. Your card isn't charged today.
Full-Service
Join the waitlist for $0 today
- Everything in Active Negotiation
- Priority support
- Attorney referrals for complex cases
- Help responding to lawsuits and garnishments
- 1:1 financial coaching sessions
Lock in $79/month for launch. Your card isn't charged today.
Traditional credit repair costs $80–$140/month plus setup fees. Debt settlement firms take 15–25% of your total debt. Breathe does both for $29–$79/month—no setup fee, no percentage cuts.
Built by people who've been there
Breathe was created for working Americans who are tired of scams, high fees, and false promises. We're building a tool that's transparent, compliant, and actually affordable.
"Finally, something that doesn't feel like a scam. I'm excited to try Breathe when it launches."
Maria T.
Waitlist member
"I've been burned by credit repair companies before. This transparent pricing is refreshing."
James K.
Waitlist member
"The combination of credit repair AND debt settlement in one place is exactly what I need."
Sarah M.
Waitlist member
Frequently asked questions
Join the waitlist
Get early access, lock in launch pricing, and be among the first to try Breathe.