Take your
credit back.
See exactly what is holding your score back, dispute errors with AI-drafted letters, and track every round in one place. Real data from all three bureaus, no guesswork.
Your whole credit file, one dashboard.
Scores from TransUnion, Experian, and Equifax with a monthly refresh. A paydown coach that shows what each dollar does before you spend it. Dispute rounds tracked from letter to mailbox to response.
Three steps to take it back.
No phone calls, no confusing forms. Pull your report, let the engine flag what looks wrong, and send the disputes in your name.
Pull your real report
Connect once and pull your full report from all three bureaus. Real data, never a guess.
AI flags the errors
The engine scans every account for reporting errors and FCRA issues most people never catch.
Send the disputes
Generate letters in your name and mail them certified in one click. Every round is tracked for you.
One plan. Everything in it.
- Reports and scores from all three bureaus, refreshed monthly
- Error scan across every account on your file
- AI-drafted dispute letters, unlimited rounds
- Round tracking with response deadlines
- Score simulator and card paydown coach
- Everything in English and Spanish
Download and mail letters yourself at no extra cost. Or have them sent for you: certified mail with tracking is $15 per letter, first-class is $3.34 per letter.
Your file is sensitive. We treat it that way.
Encrypted end to end
Everything moves over TLS and is encrypted at rest. Your SSN gets an extra layer of application-level encryption on top.
Strict row-level access
Database rules enforce that your data is readable by exactly one account: yours. Verified with live security probes.
Never sold, never shared
Your data is used to run your disputes and nothing else. No selling, no ad targeting, no third-party sharing.
Yours to delete
Cancel and request deletion whenever you want. Your documents live in access-controlled storage until you say otherwise.
Know the system you are fixing.
Free, honest guides. No magic tricks, no credit sweep myths, just how scores and disputes actually work.
How Credit Scores Work
A plain-language guide to what a credit score is, the five things that shape it, and why your numbers can differ across the three bureaus.
Your Rights Under the FCRA
A plain-language tour of your core rights under the Fair Credit Reporting Act, including free reports, disputes, and how long negative information can stay.
Disputing the Right Way
How to dispute credit report errors responsibly and legally by focusing only on information that is inaccurate, incomplete, outdated, mixed-file, or unverifiable.