FCRA-Compliant · Certified Mail · AI-Powered

Credit Repair
That Actually
Works

Automated dispute letters mailed via certified mail to all 3 bureaus. Legal paper trail. Unlimited rounds until your report is clean.

Get Started Today → See How It Works

Your Credit Potential

520

FAIR CREDIT

Poor Fair Good Excellent

FCRA Compliant

256-bit Encrypted

Certified Mail

Unlimited Rounds

80%+

of credit reports contain errors you have a legal right to dispute

30+

average point increase after successfully removing errors

$50K+

saved on a 30-year mortgage with a 100-point score improvement

How It Works

Our proven process disputes inaccurate items using your federal rights under the FCRA.

📋

Upload Your Report

Upload your MyScoreIQ tri-merge report. We analyze every account across all 3 bureaus.

✉️

AI Analysis & Automated Certified Mailing

Your report is combed through account by account across all 3 bureaus. Every negative item is flagged, and AI-generated FCRA-compliant dispute letters are drafted and sent via certified mail to each bureau — creating a legal paper trail.

⏳

Bureaus Respond

By law, bureaus have 30 days to investigate. You upload their responses and we review every deletion and update.

🔄

Escalate If Needed

Items that survive Round 1 get escalated with method of verification and final demand letters. On the Premium plan, we also file CFPB complaints on your behalf when bureaus fail to correct errors.

📅 Bureaus generally have 30 days to investigate each dispute. Results vary — no specific outcome or timeline is guaranteed.

Real Results

See what better credit makes possible

🏡

First-Time Homeowner

580 → 720 in 8 months

"After fixing report errors, I qualified for a mortgage at 4.5% instead of 7%. That's $400/month savings — over $144,000 over 30 years."

🚗

Dream Car Approved

620 → 710 in 5 months

"Went from denied to approved for a $35k auto loan at 5.9% instead of 12%. Saved $8,500 in interest over the loan term."

💼

Business Owner

590 → 740 in 10 months

"Clean credit unlocked $150,000 in business funding. I couldn't have launched my company without fixing my personal credit first."

*Results are illustrative examples. Individual results vary. No specific outcome is guaranteed.

All Your Financial Solutions

Everything you need to build a stronger financial future

💳

Credit Repair

Unlimited dispute rounds with FCRA-compliant letters to all 3 bureaus via certified mail.

View Plans →

💼

Business Funding

Target funding of $25K–$300K for qualified businesses. Not guaranteed. 10% success fee on each approved card's credit limit — only charged when funding is secured.

Learn More →

🏢

LLC Formation

Professional entity formation starting at $75 + state fees. Articles, EIN, and operating agreement included.

Get Started →

Simple, Transparent Pricing

No hidden fees. Cancel anytime.

Basic

Get started with the essentials

$99/mo

Unlimited dispute rounds
All 3 bureaus covered
Cross-bureau mismatch detection
Certified mail with electronic return receipt
Direct disputes with furnishers and creditors, not just the credit bureaus
Method-of-verification and final demand escalation letters
30-day bureau response tracking
Online dashboard with USPS tracking
Round summary and monthly progress emails
Pre-filled CFPB complaint kit
Email support

Choose Basic

Standard

Best value for most clients

$149/mo

Everything in Basic
Priority processing queue
Unauthorized and aged hard inquiry disputes
Goodwill letters to original creditors
Personalized credit-building plan

Choose Standard

Premium

Top priority, and we file with the CFPB for you

$199/mo

Everything in Standard
Top priority processing
We file CFPB complaints on your behalf when bureaus fail to correct errors
Debt validation letters to collection agencies
Personal information cleanup
Duplicate and mixed-file account detection
Free business consulting review

Choose Premium

Common Questions

Everything you need to know before getting started

Yes, 100%. Under the Fair Credit Reporting Act (FCRA), you have a federal right to dispute any inaccurate, incomplete, or unverifiable information on your credit report. We use only legal dispute methods — certified mail and formal written disputes. On the Premium plan, we also file CFPB complaints on your behalf when bureaus fail to correct errors.

Each dispute round takes 30–45 days for bureaus to respond, as required by federal law. The total timeline depends on how many items are disputed. Results vary by individual situation — no specific outcome is guaranteed.

We use a MyScoreIQ tri-merge HTML report — one report that includes data from all 3 bureaus (Experian, TransUnion, Equifax). You can get one at MyScoreIQ.com. We need the HTML file format, not a PDF.

We dispute negative items only — late payments, collections, charge-offs, repossessions, bankruptcies, and other derogatory marks that appear inaccurate or unverifiable. We never dispute accurate positive information.

After you submit your report and your service agreement is signed, you'll receive payment instructions by email. Simple and secure — no apps required.

No. Filing a dispute does not hurt your credit score. The dispute process is a federal right under the FCRA. Successfully removing negative items typically improves your score — it is never counted as a negative action.

Free Guide

The Credit
Blueprint

7-Step Guide to a Clean Credit Report

FREE DOWNLOAD

Free E-Book

Get the Credit Blueprint — Free

Learn exactly how the FCRA dispute process works, what items you can remove, how to write certified dispute letters, and how to escalate when bureaus don't cooperate.

Your full FCRA rights explained plainly
How to identify which items to dispute
7-round escalation strategy that actually works
Long-term credit building tips after disputes

Read the Free Guide →

No email required. Instant access.

Credit Repair That Actually Works