Credit Repair Program

Fix your credit with a plan built from your own report

Upload your credit report — get a plain-English plan and ready-to-send dispute letters.

Start — $150/mo See how it works

Bank-level encryption · All 3 bureaus · Cancel anytime · Not a guarantee of results

A person taking control of their finances

3 dispute letters ready

Equifax · Experian · TransUnion

AI-read analysis

Every account, negative item & inquiry

All 3 bureaus

Equifax · Experian · TransUnion

Private & encrypted

Your report is never shared

Your FCRA rights

Disputes grounded in the law

How it works

From report to ready-to-send in three steps

Upload your report

Securely upload your credit report PDF. It's stored privately and encrypted — never shared.

Get your plan

We read every account and flag what's hurting your score, then rank what to tackle first — before and after, in plain English.

Send your letters

Get an individual dispute letter for each account across all three bureaus. Review, then print, download, or mail.

See it clearly

Exactly what's hurting your score

Our AI reads your report end to end and pulls out the accounts, collections, charge-offs, late payments, and inquiries that matter — with what each one means for you.

Late payments, collections & charge-offs
Hard inquiries you may not recognize
A plain-English summary, no jargon

Know your next move

A before → after plan, in priority order

For every flagged item you see where it stands today, the action to take, and the potential upside if it's corrected — ranked so you always know what to work on first.

Ranked by impact — highest first
A checkable work list to track progress
Re-run anytime you get an updated report

Planning the next steps to improve credit

Ready to send

A dispute letter for every account

Get an individual, correctly formatted dispute letter for each account — addressed to each bureau that reports it, citing your rights under FCRA §611. Review, edit, and download.

One letter per account, per bureau
Auto-filled with your details
Download, print, and mail

Preparing dispute letters to the credit bureaus

Membership

Everything you need, one simple plan

AI analysis of your credit report — every account, negative item, and inquiry, explained
A prioritized, plain-English action plan with the reason for each step
Ready-to-send dispute letters to Equifax, Experian, and TransUnion
Preview, edit, and download every letter as a PDF
Track each letter's status (draft, sent, responded)
Re-run the analysis whenever you get an updated report

Credit Repair Program

$150/mo

Cancel anytime. You'll create your login and sign a short client agreement before you upload anything.

Start now

Secure checkout via Stripe.

Your rights & what this is

No guarantees. We do not guarantee any specific result, credit-score increase, or the removal of any item. Accurate, timely, and verifiable information cannot be lawfully removed from your credit report.

You can do this yourself for free. You have the right to dispute inaccurate information on your own credit reports directly with the credit bureaus at no charge, and to obtain your free reports.

Your FCRA rights. Under the Fair Credit Reporting Act you have the right to dispute inaccurate or incomplete information; bureaus must investigate. Under the Credit Repair Organizations Act you may cancel your agreement within the timeframe stated in it.

Not legal or financial advice. This program provides information and document-preparation assistance only. It is not a law firm and does not provide legal or financial advice. Disputes are based on your own honest assessment that an item is inaccurate or unverifiable — this tool must not be used to dispute accurate information.

Your data. Uploaded reports are stored privately and encrypted, accessible only to you and the program owner, and can be deleted on request. See the client agreement for full terms.