Upload your reports from all 3 bureaus. Our AI pinpoints every drag on your score and builds a step-by-step repair plan with real timelines and projections.
No confusing jargon. No surprise fees. Just a clear, actionable path to a better score.
Securely upload your credit reports from Experian, Equifax, and TransUnion — or enter your scores manually.
Our engine reads every item — late payments, collections, utilization, inquiries, and errors across all three bureaus.
Receive a prioritized action checklist ranked by point impact, with realistic timelines and expected score gains.
Follow the plan, send the disputes, and watch your score rise — month by month, step by step.
Professional-grade credit tools that used to cost thousands — now in your hands.
Our engine reads all three bureaus simultaneously, cross-references discrepancies, and prioritizes by maximum point impact.
No empty promises. Data-driven, timeline-based projections for how many points each action is likely to yield.
Pre-written, legally sound dispute letters for each negative item — ready to send to bureaus and creditors.
We identify every item eligible for dispute under FCRA guidelines and explain exactly how to challenge it.
256-bit encryption and SOC 2-compliant infrastructure. Your credit data is never sold or shared.
Upload new reports monthly and track your climb with charts, milestone alerts, and updated action plans.
No hidden fees. No contracts. Cancel anytime.
Everything you need to know before getting started.
Absolutely. The Fair Credit Reporting Act (FCRA) gives every consumer the legal right to dispute inaccurate, outdated, or unverifiable items on their credit report. Credit repair is simply the process of exercising those rights. You can do it yourself for free — we just make it dramatically faster and more effective with AI-powered analysis and pre-written templates.
No. Filing a dispute does not trigger a hard inquiry and will not lower your score. In fact, if the dispute is successful and a negative item is removed, your score will increase — often significantly. The only possibility is that an item is verified and remains, but it won't be worse than before you disputed it.
Quick wins like reducing utilization can show results in as little as 30 days. Dispute resolution takes 30–45 days by law — bureaus must respond within 30 days or remove the item. Most of our clients see meaningful improvements within 3–6 months of following their personalized action plan.
The Pro plan gives you everything you need to handle your own credit repair — full AI analysis, action plan, dispute letters, timelines, and monthly re-analysis. The Concierge plan adds a dedicated credit specialist who handles the entire process for you: submitting disputes, negotiating with creditors, weekly check-ins, and a score guarantee. It's the white-glove option for people who want hands-off results.
Legally, bureaus are only required to remove items that are inaccurate, incomplete, or unverifiable. Accurate negative items like a genuine late payment may stay for 7 years. However, goodwill letters to creditors sometimes succeed in removing even accurate items — especially with long-term customers or isolated incidents. We provide templates for this approach too.
Your data is processed with 256-bit AES encryption and is never sold, shared, or stored without your explicit consent. We are FCRA compliant and follow all federal privacy regulations. Uploaded reports are analyzed in-memory and not retained on our servers after your session ends.
Drag & drop your PDFs from each bureau, or click to browse. You can also enter your scores manually.
Need free reports? Get them at AnnualCreditReport.com
Our AI is scanning all three bureaus simultaneously, cross-referencing items, and building your personalized action plan.
Generated based on your 3-bureau analysis ·
Request removal of a late payment from a creditor based on your good payment history and character.
Demand proof that a collection agency owns the debt and has the legal right to collect it from you.
Invoke your FCRA rights under Section 609 to challenge any unverifiable item on your credit report.
Offer to settle a debt in exchange for complete removal from all three credit bureau reports.
Log your scores each month to watch your progress.
Your chart will build automatically over time.
Book a free 30-minute strategy call — we'll walk through your action plan together, answer every question, and map out the fastest path to your credit goals.
A pre-filled goodwill letter addressed in your name — ready to customize and mail to any creditor requesting removal of a late payment from your record.
Pay balances down so you're using less than 10% of each card's limit. This alone can add 20–50 points.
Set autopay for at least the minimum. A single 30-day late payment can drop your score 60–110 points.
Ask a trusted family member with good credit to add you to their oldest, lowest-utilization card.
Send certified mail to each bureau. They have 30 days to investigate — or the item must be removed.
Results are estimates based on typical credit repair outcomes. Individual results vary. This is not legal or financial advice.