1
Pull your free report
One click via our SmartCredit partner pulls all three bureaus in under a minute. No hard inquiry, no card required.
🔒 Bank-level encryption · Your data is never sold · SOC-2 ready infrastructure
Trusted by 14,200+ clients across 47 states
Raise your credit score 82 points on average — in 90 days.
Upload your three-bureau report. Our AI drafts professional dispute letters in seconds — pick DIY to mail them yourself, or Done-For-You and we'll certified-mail every round on your behalf.
★★★★★4.9 / 5 · 2,184 reviews•No card required•Cancel anytime
AS FEATURED INForbesBloombergCNBCWSJFast Co.
Three steps. No guesswork.
Designed for everyday people — not credit experts.
2
AI drafts your disputes
Our model identifies every disputable item and writes Metro-2-compliant letters tuned to each bureau's response patterns.
3
Mail it your way
Print and mail letters yourself with our DIY plan, or let us print, stuff, stamp, and certified-mail every round for you.
Real clients. Real score lifts.
★★★★★
“I'd been stuck at 580 for three years. Three rounds and I'm sitting at 712 — finally got approved for a mortgage.”
MJ
Marcus J.
Atlanta, GA
+132
★★★★★
“The DIY plan is wild. Letters were ready in 10 minutes and four of six items got deleted in the first round.”
PR
Priya R.
Houston, TX
+78
★★★★★
“I picked Done-For-You because I'm too busy to deal with mailing. They handled everything — I just got the SMS that my collection was deleted.”
DK
Danielle K.
Orlando, FL
+94
Simple, fair pricing.
No subscriptions. No surprise fees.
DIY Credit Repair
Generate. Print. Mail yourself.
$39one-time
- ✓AI-drafted dispute letters · all 3 bureaus
- ✓Unlimited revisions for 30 days
- ✓Mailing instructions + envelope templates
- ✓Live dashboard tracking
- ✓Email support
Done-For-You
We mail certified. You watch the score climb.
$99per round
- ✓Everything in DIY
- ✓Certified mail with USPS tracking
- ✓Automatic follow-up rounds
- ✓Direct bureau response uploads
- ✓SMS + email progress alerts
- ✓Priority chat support
Pricing shown is provisional pending final confirmation.
See it in action
A quick walkthrough of the whole platform — about three minutes.
Frequently asked questions
Everything you need to know before you start.
Is credit repair legal?+
Yes. Federal law — the Fair Credit Reporting Act — gives you the right to dispute any item on your credit report that is inaccurate, outdated, or unverifiable. We simply help you exercise that right with professionally written letters.
Will checking my report hurt my score?+
No. Pulling your three-bureau report through our partner is a soft inquiry, so there is no hard inquiry and no impact on your score.
What's the difference between DIY and Done-For-You?+
With DIY, our AI drafts your dispute letters and you print and mail them yourself. With Done-For-You, our team reviews, prints, and certified-mails every round for you, then tracks the bureaus' responses.
How long does it take to see results?+
Once a letter is mailed, the credit bureaus have about 35 days to respond. Many clients see their first changes within the opening round, though timelines vary from case to case.
Is my personal information safe?+
Yes. Your report and documents are encrypted and stored privately — only you and our review team can ever open them, and your data is never sold.
Can I cancel?+
Absolutely. Federal law gives you three business days to cancel your service agreement free of charge, and you can cancel your plan anytime after that.
Do you guarantee a specific score increase?+
No honest company can promise an exact number — results depend on what's actually on your report. We focus on disputing inaccurate and unverifiable items so your report reflects the truth.