What's included in the free plan?▾
The free Credit Checkup includes a one-time AI analysis of your credit report, access to our Score Simulator and Savings Calculator, and a read-only Credit Building Plan. It's a great way to see exactly what's hurting your score before committing to a paid plan. No credit card required.
How does AI credit analysis work?▾
Our AI analyzes your credit report from all three bureaus (Equifax, Experian, TransUnion), identifies items that may be inaccurate or unverifiable, and generates personalized dispute letter templates citing specific consumer protection laws. You review, customize, and send them yourself. What takes hours of research is completed in minutes.
How does billing work?▾
All paid plans are billed monthly in arrears — meaning you're charged after services are completed each month, not upfront. There is also a one-time $59 Credit Audit Fee charged after your initial audit is completed. The maximum contract term is 6 months.
Do you offer couples pricing?▾
Yes! Our Couples Plan is $159/mo and includes the full Starter plan for both partners with a shared dashboard view. It's perfect for couples working on their credit together — whether for a mortgage, car loan, or just financial wellness.
Is the AI really better than doing it manually?▾
Our AI doesn't replace your judgment — it amplifies it. The AI can analyze an entire credit report in seconds, identify patterns across thousands of data points, and generate legally-cited dispute letter templates faster than manual research. You stay in control of every decision and action.
How long until I see results?▾
Most clients see their first items removed within 30-45 days after disputes are sent. The full credit improvement process typically takes 3-6 months depending on the number of negative items on your report.
Do you charge upfront fees?▾
No. In compliance with CROA, we never charge upfront fees. Your first payment is only collected after you've accessed your first round of dispute tools. The free plan requires no payment at all.
What if the disputes don't work?▾
If a dispute doesn't result in removal, the platform provides escalation tools. Our multi-round strategy gives you templates that go from factual disputes to legal method letters to escalation letters. VIP members get unlimited rounds of dispute tools.
Can I cancel anytime?▾
Cancel anytime. Under CROA, you have the right to cancel within 3 business days of signing without penalty. After that, cancel month-to-month with 5 days written notice before your next billing date. The maximum contract term is 6 months.