Fix Your Credit.
Change Your Life
Your credit affects where you live, what you drive, what you qualify for, and the opportunities available to your family. We help you change that — by giving you the same dispute engine the pros use, so you can do it yourself, on your terms.
Not sure yet? See a sample dispute letter first →
100% self-service · Just $34.99/month · All 3 bureaus · Cancel anytime · No setup fee
Real People.
Real Results.
Thousands of clients have seen real, lasting movement on their credit — round after round, bureau after bureau.
Based on 244 reviews
Marcus T. just deleted a $4,210 collection from Midland Credit on TransUnion
just nowEvery Negative Item On Your Report
If it’s inaccurate, outdated, or unverifiable, it doesn’t belong on your file. Our engine writes the right letter for each one, to all three bureaus.
You’re In Control. We Do The Heavy Lifting.
You upload your report and approve your disputes — our engine writes the letters for you to print and mail. Most users have their first round ready to send within minutes. Bureaus have 30 days to respond.
- Step 01
Pull your 3-bureau report
Use MyFreeScoreNow to download your tri-merge report. It's a single PDF covering Equifax, Experian, and TransUnion.
- Step 02
Upload + verify your identity
Photo ID, Social Security card, and a recent utility bill. We need them to file your dispute — same as if you mailed it yourself.
- Step 03
Print, sign & mail
Our engine writes the right letter for each negative account in each bureau and hands you print-ready PDFs. You print, sign, and mail them — then watch the results roll in.
$34.99/month
Full access to the dispute engine — generate all your letters across all three bureaus, every round. You print, sign, and mail them yourself (postage and mailing are not included). Cancel anytime.
- Unlimited dispute letters — generate as many as you need
- All 3 bureau letters every round
- Late Payment, Collection, Charge-off, Bankruptcy, Repossession & Recovery letters
- Print-ready PDFs — sign and mail them yourself, on your schedule
- Step-by-step mailing instructions included
- Round-over-round deletion tracking
- Cancel anytime
No card required to start. Cancel any time, no questions asked.
Common Questions
- Is this legal?
- Yes. The Fair Credit Reporting Act (FCRA) gives every consumer the right to dispute inaccurate or unverifiable information on their credit report. We help you draft those disputes — you sign them, you mail them, the bureaus respond to you.
- What kind of report do I upload?
- We use MyFreeScoreNow's 3-bureau (3B) report. It's the format our engine is tuned for. If you don't have an account, we'll point you to it during sign-up.
- How fast do I see results?
- Bureaus have 30 days under FCRA to investigate each dispute. Most deletions happen between Round 1 and Round 3 — so anywhere from 30 to 90 days after you mail your first round.
- What happens to the data I upload?
- Your credit report is read once for letter generation, then deleted. Your ID, Social Security card, and proof of address stay on file (encrypted) only as long as needed to attach to each round of letters, then they're removed.
- Why is this so much cheaper than the big credit-repair services?
- Because you're doing the work, not paying a sales team. Our engine does the legal language and builds your letters — you just upload your report, then print and mail them yourself. Most premium services charge $89–$149/month for the same letter set, plus a setup fee.