How it works
A calm, practical path: understand your reports, flag possible errors, build better habits, and track progress. No guarantees and no gimmicks.
Get your credit reports
Request your free reports from all three bureaus via AnnualCreditReport.com.
Upload or enter your report information
Import a PDF, paste report text, or enter accounts manually.
Review potentially inaccurate or harmful items
The issue detector flags items worth verifying before disputing.
Choose the appropriate action
Dispute, validate debt, send a goodwill letter, or build credit.
Generate letters and supporting documents
Create fact-specific dispute letters tailored to the actual issue.
Track deadlines and responses
Monitor response windows and log results in the dispute tracker.
Build positive credit habits
Follow a personalized plan to strengthen your credit over time.
Monitor progress
Run a monthly review and watch your credit health journey advance.
Free to start. Clear pricing when you want more.
Your first checkup, checklist, and calculators are free. Plus adds unlimited tracking, a fuller plan, and downloadable reports — only if you choose it.
Compare plansThis platform provides self-help tools and educational information. It is not a credit repair organization, credit bureau, lender, financial institution, or law firm. Use of this platform does not create an attorney-client relationship. Results are not guaranteed. Accurate negative information generally cannot lawfully be removed merely because it is unfavorable.