Preview: free tools only. Our paid service is not open yet.
You can dispute errors on your credit report yourself, for free. No one can legally remove accurate, current information from your credit report. We never promise a score or a removal. We are not lawyers and do not give legal advice.
Coming soon

We do it for you

Our done-for-you service opens state by state, only after we are registered and bonded where each state requires it, starting with California. Here is how it will work.

  1. Step 1Sign up and cancel windowYou sign the contract online and get the federal "Consumer Credit File Rights" notice. You have 3 business days to cancel; nothing starts until then.
  2. Step 2Your reportsYou pull your free reports from annualcreditreport.com and upload them.
  3. Step 3AI reviewOur AI reads every account and flags things that may be wrong. You confirm each one is really wrong. We never dispute accurate items.
  4. Step 4LettersAI drafts each letter to the bureaus, lenders and collectors. You read and e-sign them.
  5. Step 5MailingWe mail every letter certified with return receipt and keep the proof in your account.
  6. Step 6Follow-upWe track every deadline, read the replies you upload, and prepare the next round.
  7. Step 7Pay afterYou pay only after each round is fully done. Never in advance.
Not open yet. Until then, use the free letter builder; it does the same letters, and you mail them yourself.

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