Paste your free credit report — get an AI breakdown of every error, negative item, and score factor in 60 seconds. Pro ($10/mo) generates personalized FCRA-compliant dispute letters you file directly on the bureau portal.
They charge $79–150/mo to do what you can do yourself in 10 minutes. We give you the templates and the intelligence — you file it yourself, for free, directly on the bureau's portal.
Other tools claim to "do it for you." Most don't file anything. And when they do, you never see what they wrote or why. That's not credit repair — that's a subscription trap.
We give you the intelligence and personalized dispute templates. You copy the text, go to the bureau's dispute portal, paste it in, and submit. Fast, free, and you own every step.
Your AI-generated dispute text is customized to your specific situation. Read it, own it, then copy it.
We provide direct links to Equifax, Experian, TransUnion, and CFPB. One click to the right place.
No middleman. No black box. You file it, you track it, you own the outcome. Become your own credit expert.
The only federally authorized free source is AnnualCreditReport.com. Get yours first — then paste it here.
Every negative item flagged with estimated impact. Errors, collections, late payments — identified instantly. Knowledge is power. Now you know.
AI generates dispute text tailored to your specific accounts and situation. Pro users also get CFPB complaint templates and full coaching.
We link you directly to Equifax, Experian, TransUnion, and CFPB. Copy your template, paste it into the portal, submit. You filed it. You own it.
Nearly half of all consumers have at least one inaccuracy on their credit reports. Most never find them.
Traditional credit repair companies charge $79–150/month to send template letters. For months. Sometimes years.
AI generates your personalized dispute letter from your credit report in under 2 minutes. You read it, own it, file it yourself.
The credit bureaus are required by law to investigate your disputes. You don't need an agency. You don't need a lawyer. You need the right link and the right template.
Every dispute you file is you taking control of your financial future. When bureaus ignore you, the CFPB forces a response in 15 days. We show you every escalation path.
📄 Step 1: Get Your Free Report at AnnualCreditReport.com →For debt collector & bureau complaints. Companies must respond in 15 days. File a complaint →
Dispute errors directly with Equifax online. Open portal →
File disputes with TransUnion online. Open portal →
File disputes with Experian online. Open portal →
Free credit analysis. No sign-up required. See exactly what's on your report in under 60 seconds. Get personalized dispute templates you file yourself. Pro coaching for $10/mo when you want the full toolkit.
Start Free Analysis →Free analysis • 5 coach messages/day free • Pro: $10/mo • Cancel anytime
The credit bureaus are required by law to investigate your disputes. The CFPB exists to hold them accountable. AnnualCreditReport.com gives you your reports for free. We arm you with AI-powered intelligence and templates. YOU make the moves. YOU own your credit.