My Credit
Your free account: your report findings, your letters and your deadlines in one place.
Your credit, one screen.
Our AI checks your report, fills in your letters and tracks every answer. You just tap the next step.
- All 3 bureaus checked side by side
- Letters filled in for you, ready to sign
- Answer dates counted down for you
Your password is stored scrambled. We never save your SSN or your full report.
Welcome
Your disputes
EQ Equifax · EX Experian · TU TransUnionFixedSentNot mailedNot disputedNot on report
Latest activity
See allChecklist
My accounts
These are AI suggestions from your report, not facts. You decide what's really wrong; only those go into letters.
Nothing saved yet. Start with Check my credit report.
My letters
No letters yet. After you mark items "Really wrong", tap Write letters for items marked wrong.
Activity
Nothing yet. Your steps will show here with dates.
My return address
Goes on your letters.
🔒 Locked to your credit report. To change it (for example after marriage), use Help → Send feedback.
My plan
Free
- AI report check
- Letters for every bureau and collector
- Sign & print, deadlines and reminders
You pay nothing and we never ask for a card. Paid help, where we do it for you, opens after our California registration. See prices.
Your free tools stay free. Want us to do it for you? Done for you is $99 per round, paid only after that round's letters are mailed. See prices.
My documents
Your letters are under My letters (tap View letter to print). We do not keep your credit reports, ID photos, signature, birth date or Social Security number.
Keep your post office receipts and the bureaus' answer letters in a folder at home.
Help
Or tap Ask AI at the bottom of the screen any time.
Admin
Owner onlyPaid service switch, customers, notes, name unlocks and links to every dashboard.
My privacy
We keep only what you see on this page. You can download it, or delete it all and your account, any time.