Services and prices
Nothing up front. You pay $0 to sign up. The $149 first-round fee is charged only after your first round of disputes is sent. Then it's $119 a month, charged after each month's work is done. Cancel anytime.
Free review
- We look at your case
- We explain your options
- No strings attached
Individual plan
+ $149 first-round fee. We charge it only after your first round of disputes is sent. Nothing up front.
- We check all 3 reports
- Disputes every month
- Updates after every round
- Tips to grow your credit
- Month to month. Cancel anytime.
Money-back guarantee
If we can't get any inaccurate item corrected or removed within 90 days, you can ask us to refund what you paid. The refund is never more than what you paid us.
This is a promise to refund, not a promise of results. We never promise a higher score. We can't remove true, current information that can be proven. The full terms are in your contract.
What you get
- We review your Equifax, Experian and TransUnion reports
- We dispute items that are wrong, missing info or can't be proven
- We ask debt collectors to prove the debt, when it makes sense
- Updates after every round, in English or Spanish
- Tips to build good credit
We can't remove true, current information that can be proven. Results are different for everyone.
Cases we work on
Collections on your credit report
A collection can hurt your score for years. Some are true. Some are not: the wrong balance, a debt that isn't…
Charge-offs and late payments
A charge-off means the lender wrote off the debt as a loss. You may still owe it, and it can still show up. But…
Rebuilding credit after bankruptcy
Bankruptcy can be reported for up to 10 years (CFPB). What often goes wrong is how the discharged accounts are…
Building credit from zero
No history isn't bad credit. It just means lenders can't see you yet. These are legal, proven ways to…
Credit with an ITIN
Have an ITIN instead of a Social Security number? You can still build credit in the US. Some banks and credit…
Identity theft
If you see accounts or inquiries you don't recognize, act fast. Several steps are free and you can do them…