Use Brian Roemmele's Clean Slate template for Grok Bot to read your free credit reports, find errors, and draft dispute letters you review and send yourself.
All Grok Bot questions: https://www.soundminds.ai/faq.
Last updated Oct 21, 2026
You can do it with a Grok Bot template called Clean Slate. Brian Roemmele built it and shared it on X. It isn't an official SpaceXSI template. I checked its share page, and it says, "Helps you get your free credit reports, then finds collections, errors, and outdated items. It drafts FCRA dispute letters to Experian, Equifax, and TransUnion and tracks every deadline on a colorful dashboard. It never sends anything without your approval."
You get the reports yourself for free at AnnualCreditReport.com. The Bot reads them, points out what looks wrong, and drafts the letters. You check every item, and then you send the letters yourself.
Here's how I'd set it up. It's built for US credit reports, so if you're in the UK, read the UK note further down first.
Step 1: Brian Roemmele built Clean Slate and shared it in a post on X. Open the Clean Slate share page and choose Add to Grok Bot. Before you add it, read what it includes. I checked the share page, and at the top it says, "This AI bot was created by a third-party user, not by SpaceXSI. It may act on your behalf." I also checked SpaceXSI's third-party bot terms, and they say, "Your use of any third-party AI bot is at your own risk." If the context and connections look like what you expect, choose Add Bot.
Step 2: Get your free reports from all three bureaus. I checked AnnualCreditReport.com, and it says, "You can request your free credit report online at AnnualCreditReport.com, the only website authorized by federal law." It also says, "Checking your credit reports from this website will not affect your credit scores." Type in your name, Social Security number, date of birth and answers to the security questions yourself, and don't hand that part to the Bot.
Step 3: Give the downloaded reports to your Bot and ask it to list any collections, errors and outdated items it finds. Then check each one against your own records, because the Bot only knows what's in the report. I checked the FTC's free credit reports page, and it says, "Because each credit bureau may get its information from different sources, the information in one credit bureau’s report might not be completely the same", so have it look at all three.
Step 4: Review the dispute letters it drafts. I checked the FTC's page on disputing errors, and it says, "To correct mistakes in your report, contact the credit bureau and the business that reported the inaccurate information." It also says, "You should dispute with each credit bureau that has the mistake." So make sure there's a letter for each bureau that shows the error and one for the business that reported it. I checked the CFPB's page on disputing an error, and it says each letter should include "Each error you want fixed, including the account number for any account you may be disputing", a "Clear explanation of why you are disputing the information" and "Copies (not originals) of documents that support your position". Only keep a dispute if the item really is wrong.
Step 5: Sign the letters and send them yourself. I checked the FTC's page on disputing errors, and it says, "Send your letter by certified mail and pay for a “return receipt” so you have a record the credit bureau got it." Keep copies of everything. The same FTC page also says, "However you filed your dispute, the credit bureau has 30 days to investigate it." You can ask your Bot to track those dates for you.
A Bot can help you find and dispute real mistakes, but it can't make accurate information disappear. I checked the FTC's page on fixing your credit, and it says, "No one promising to repair your credit can legally remove information if it’s both accurate and current." That holds for a Bot too. I also checked the FTC's page on disputing errors, and it says, "As long as the information is correct, a credit bureau can report most negative information for seven years, and bankruptcy information for 10 years."
It can't guarantee results either. I checked the CFPB's page on credit repair scams, and it lists this as a warning sign: "The company may claim that it can guarantee a specific increase in your credit score or get rid of negative credit information in your credit report, even though the information is accurate and current." So if you see that promise from anyone, a Bot included, walk away. And don't dispute what you know is true. I checked the FTC's page on fixing your credit, and it says, "Scammers tell you to dispute information in your credit report you know is accurate."
The good news is that this is work you're allowed to do yourself. That same FTC page says, "Anything a credit repair company can do legally, you'll be able to do for yourself for little or no cost."
Clean Slate drafts US letters under the Fair Credit Reporting Act, and AnnualCreditReport.com is for US reports, so in the UK you'd take a different route. I checked the ICO's credit page, and it says, "The three main consumer CRAs in the UK are Equifax, Experian and TransUnion." It also says, "You don’t need to pay a fee for obtaining a statutory report." Ask each of them for your free statutory report on their own site. If something's wrong, I checked that same ICO page, and it says, "If your credit file is inaccurate, you can raise your complaints with the relevant CRA you obtained your file from." A Bot can still help you read the reports and draft a clear letter, but I haven't tested the template for UK reports.
Getting your reports means typing in your Social Security number and date of birth, so look at the site before you enter them. I checked the FTC's free credit reports page, and it warns that imposter sites "might even have URLs that purposely misspell AnnualCreditReport.com in the hope that you’ll mistype the name of the official site." It also says, "AnnualCreditReport.com and the credit bureaus will not email you asking for your Social Security number or account information." I checked SpaceXSI's approvals, security and privacy page, and it says, "For passwords, passkeys, two-factor codes, CAPTCHAs, and payment confirmations, the Bot should hand you control of the computer." I'd treat your SSN the same way and enter it yourself. Then delete the downloaded reports from the Bot's computer when you're done, because that page also says, "Remove sensitive temporary files after the work is complete."
Clean Slate share page: https://x.ai/bot/vY1eft-dZTKssiaUQvJEc
Helps you get your free credit reports, then finds collections, errors, and outdated items. It drafts FCRA dispute letters to Experian, Equifax, and TransUnion and tracks every deadline on a colorful dashboard. It never sends anything without your approval.
This AI bot was created by a third-party user, not by SpaceXSI. It may act on your behalf.
SpaceXSI third-party bot terms: https://x.ai/legal/bot-sharing-terms
Your use of any third-party AI bot is at your own risk.
AnnualCreditReport.com: https://www.annualcreditreport.com/index.action
You can request your free credit report online at AnnualCreditReport.com, the only website authorized by federal law.
Checking your credit reports from this website will not affect your credit scores.
FTC, free credit reports: https://consumer.ftc.gov/articles/free-credit-reports
Because each credit bureau may get its information from different sources, the information in one credit bureau’s report might not be completely the same
might even have URLs that purposely misspell AnnualCreditReport.com in the hope that you’ll mistype the name of the official site.
AnnualCreditReport.com and the credit bureaus will not email you asking for your Social Security number or account information.
FTC, disputing errors on your credit reports: https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports
To correct mistakes in your report, contact the credit bureau and the business that reported the inaccurate information.
You should dispute with each credit bureau that has the mistake.
Send your letter by certified mail and pay for a “return receipt” so you have a record the credit bureau got it.
However you filed your dispute, the credit bureau has 30 days to investigate it.
As long as the information is correct, a credit bureau can report most negative information for seven years, and bankruptcy information for 10 years.
FTC, fixing your credit FAQs: https://consumer.ftc.gov/articles/fixing-your-credit-faqs
No one promising to repair your credit can legally remove information if it’s both accurate and current.
Scammers tell you to dispute information in your credit report you know is accurate.
Anything a credit repair company can do legally, you'll be able to do for yourself for little or no cost.
CFPB, how do I dispute an error: https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/
Each error you want fixed, including the account number for any account you may be disputing
Clear explanation of why you are disputing the information
Copies (not originals) of documents that support your position
CFPB, how can I tell a credit repair scam from a reputable credit counselor: https://www.consumerfinance.gov/ask-cfpb/how-can-i-tell-a-credit-repair-scam-from-a-reputable-credit-counselor-en-1343/
The company may claim that it can guarantee a specific increase in your credit score or get rid of negative credit information in your credit report, even though the information is accurate and current.
ICO, credit: https://ico.org.uk/for-the-public/credit/
The three main consumer CRAs in the UK are Equifax, Experian and TransUnion.
You don’t need to pay a fee for obtaining a statutory report.
If your credit file is inaccurate, you can raise your complaints with the relevant CRA you obtained your file from.
SpaceXSI, approvals, security and privacy: https://docs.x.ai/grok-bot/approvals-security-and-privacy
For passwords, passkeys, two-factor codes, CAPTCHAs, and payment confirmations, the Bot should hand you control of the computer.
Remove sensitive temporary files after the work is complete.
See how I set up Grok Bot: https://www.soundminds.ai/setup.