Free AI analysis and credit education. Pro tier arms you with personalized dispute templates you file yourself, full coaching, and CFPB guidance. No contracts, cancel anytime.
The free plan gives you unlimited access to our AI Credit Report Analyzer, which breaks down your score factors, detects negative items, identifies potential errors, and provides direct links to bureau online dispute portals (Equifax, Experian, TransUnion, and CFPB). You also get 5 AI coach messages per day for FCRA rights education and credit guidance. No sign-up required to start analyzing.
Pro includes everything in the free plan plus unlimited AI coach conversations, personalized dispute templates tailored to your specific accounts (you copy and paste them into the bureau's online portal), CFPB complaint walkthrough templates, personalized score improvement strategies, pay-for-delete negotiation templates, month-by-month action plans, debt validation templates, and priority support. You file everything yourself — we give you the exact text to use.
Yes, absolutely. There are no contracts, no commitments, and no cancellation fees. You can cancel your Pro subscription at any time and you'll retain access through the end of your current billing period. Your analyzed reports and any generated letters remain accessible on the free plan.
The AI coach is a conversational credit expert that understands your specific credit situation. It explains dispute strategies, walks you through CFPB complaint filing, and helps you prioritize which items to address first. Pro users get unlimited conversations and the coach generates personalized dispute templates you copy and paste into the bureau's online dispute form. You file everything yourself — we arm you with the intelligence to do it right.
Your privacy and security are our top priorities. We use bank-level encryption for all data in transit and at rest. We never store your full credit report on our servers -- analysis happens in real-time and data is processed securely. We never sell or share your personal information with third parties. Payments are handled through Stripe, the same payment processor used by companies like Amazon and Google.
See what's on your credit report in under 60 seconds. No sign-up required. Get your report at AnnualCreditReport.com, paste it in, and know exactly what to dispute — and where. Upgrade to Pro when you're ready for personalized templates.
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