Your credit, in plain English.
All three bureau scores. What's dragging them down. And a way to do something about it that doesn't involve a $99-a-month phone call.
No card required to see your scores.
Example scores shown for illustration.
How it works
See all three
Equifax, TransUnion and Experian side by side. Most free apps show you two and stay quiet about the third.
Find what's wrong
We flag items that look inaccurate, unverifiable, or past the reporting window - and show you why we flagged them.
You decide, we draft
Confirm the reason it's wrong, and the assistant drafts the letter. You read it, you sign it, you send it.
Watch the clock
The bureaus get 30 days. We track it, and tell you when they've run out of time.
We won't promise you a number.
Anyone selling you a guaranteed score is selling you something they can't deliver. Accurate information stays on your report. What we do is find the inaccurate stuff, help you challenge it the right way, and keep the pressure on the deadlines.
Pricing
Free
- All three bureau scores
- What's on your report
- The assistant, for questions
- Streaks, challenges, learning
Full access
- Everything in free
- Letter drafting for each item
- Deadline tracking and escalation
- Cancel anytime
You can dispute errors yourself, free, directly with the credit bureaus. You don't need this or any paid service to do it.
Straight answers
Can you guarantee my score will go up?
No, and nobody can. Accurate information can't be removed from your report by us or anyone else. What we can do is find the things that are genuinely wrong and help you challenge them properly.
Can't I dispute this myself for free?
Yes. You can dispute directly with the bureaus at no cost, and you should know that. We exist to make it faster: finding what's worth disputing, writing the letter, and tracking the deadlines.
Do you file the disputes for me?
No. You are the one making the statement, so you review and send every letter. We never file on your behalf or act as your agent.
Is my information safe?
We never store your Social Security number, date of birth, or full account numbers. Everything is encrypted, and you can delete your data at any time.
What does it cost?
Monitoring, education and progress tracking are free. Letter drafting and sending is the paid plan. Cancel anytime.