Repair Your Credit For Free with AI
Designed by leading top credit repair experts to help you get the absolute best credit score on your own with expert-level disputing.
Upload your credit report and our AI instantly finds FCRA & FDCPA violations — errors that could legally be removed. Generate dispute letters, track your progress, and escalate — all completely free.
No subscriptions. No paywalls. No credit card required. Ever.
Don't have your reports yet? Get all 3 bureau reports + credit monitoring from our partner for just $1 →
Every Feature. Zero Cost.
Other credit repair services charge $39–$99/month. We give you the same AI-powered tools — dispute letters, CFPB complaints, tracking, and escalation — completely free, forever. No hidden fees, no trials, no catch.
Everything Included — Free
The complete credit repair toolkit. No premium tier, no locked features.
Dispute Letter Generator
Generate professional, legally-sound dispute letters for all 3 bureaus — ready to print and mail.
CFPB Complaint Builder
Escalate unresolved disputes with auto-generated CFPB complaint narratives.
AI Credit Report Scan
Upload your report and our AI instantly finds FCRA, FDCPA & Metro 2 violations.
Dispute Tracking
Track every dispute from identified to resolved in one organized dashboard.
Legal Grounds Analysis
See the specific FCRA/FDCPA violations and supporting case law behind each dispute.
Escalation Tools
Follow-up letters, debt validation, and escalation workflows — all included.
Credit Education Center
Learn the strategies that actually move your credit score, explained simply.
LexisNexis Freeze Guide
Step-by-step instructions to freeze and manage your LexisNexis file.
Method of Verification
Request letters that force bureaus to prove how they verified your items.
How It Works
Three simple steps to start repairing your credit — for free.
Get Your Credit Reports
Sign up for credit monitoring through our partner — get all 3 bureau reports for just $1, then upload them here to start disputing.
Upload & AI Scan
Upload your report and our AI instantly analyzes every account for violations.
Generate & Send Letters
Generate free dispute letters, track your disputes, and escalate as needed.
98%
Dispute Success Rate
12K+
Reports Analyzed
3 Min
Avg. Scan Time
$0
Cost — Forever
Ready to Fix Your Credit — For Free?
Our platform is 100% free — no credit card, no subscription, no catch. For the best results, pair it with credit monitoring from our partner to get all 3 bureau reports for just $1, then upload a fresh report every 30-45 days to track your dispute progress.