Yes — our DIY platform and letter generator are free. You’ll only pay a separate monthly subscription to a compatible credit‑monitoring service (with 3‑bureau data) and for your credit reports and postage when mailing letters.

Absolutely. Once your monitoring is connected and you’ve identified items to address, you can generate customized letters in a few clicks and print them immediately.

Timelines vary. Bureaus generally respond to disputes within ~30 days, but multiple rounds may be needed depending on the issue and documentation.

Many users see meaningful movement within 45–120 days.

Consumers have the right to dispute inaccurate, incomplete, or unverifiable information on their credit reports. Our tools help you exercise those rights. We don’t provide legal advice.

If an item is inaccurate, incomplete, outdated, or cannot be verified, the bureaus must correct or remove it. Legitimate, accurate debts usually remain but can often be mitigated with updates or paid status.

Print your letters, sign them, and mail via USPS with tracking (often Certified Mail). Keep copies of everything you send and receive.

We focus on DIY because it’s the most affordable. If you need done‑for‑you assistance, contact us and we can discuss a tailor plan and price for you.

Usually no. Closing good‑standing accounts can reduce available credit and average age of accounts, which may lower your score.

Legitimate hard inquiries typically remain for up to 2 years. We provide steps for addressing unauthorized, duplicate, or improper inquiries.

When late payments or charge‑offs are inaccurate or can’t be verified, they should be corrected or removed. We’ll guide you on goodwill requests and, where appropriate, negotiating updates after resolution

Maintain on‑time payments, keep utilization low, and consider tools like secured cards or credit‑builder loans. We include simple budgeting worksheets and habit trackers to help.