Upload your credit report. Our AI reads every line, flags what looks wrong, explains what's actually hurting your score, and writes the dispute letters for you to send. No $1,000 credit repair bills.
Start my credit reviewCancel anytime. Results vary. Nobody can legally remove accurate, current information from your credit report.
You stay in control. The AI does the reading, the research and the writing.
Get your free reports from all three bureaus at AnnualCreditReport.com, then upload the PDFs. You can add credit card and bank statements too.
It flags duplicates, wrong balances, accounts that aren't yours, and items past their reporting limit. Then it explains your score factors in plain English.
Get dispute letters already filled in for each bureau, plus a 30-60-90 day plan. Print them, sign them, mail them. Upload new reports to track progress.
Every account, balance, date and collection checked for mistakes the bureaus are required to fix.
Written for Equifax, Experian, TransUnion or the creditor, with your specific items and the proof to include.
What to pay down first, how to bring your utilization down, and what to do about accurate negative items.
Upload card or bank statements and get advice on payment timing and utilization.
Your card is saved at signup. You aren't charged until your first month of service is done. Cancel anytime from your account.
We sell a do-it-yourself tool. You upload your documents, and you review, sign and send every letter yourself. We follow the federal Credit Repair Organizations Act and New York credit services law, so you get the required disclosures and a written agreement before you pay anything.
AnnualCreditReport.com is the official free site for reports from Equifax, Experian and TransUnion. Download each one as a PDF and upload it here.
We can't promise that, and anyone who does is breaking the law. If your report has errors, disputing them can help. Lower card balances and on-time payments help everyone.
Uploads are encrypted in transit. The AI reads them, and the original file is then deleted. Your written review stays in your account until you delete it, which you can do anytime. We never sell your data.
Yes, anytime, from the billing page in your account. You can cancel within 3 business days of signing for any reason, and since your first charge comes after your first month, cancelling before then costs nothing.