We help people, not just credit reports.
Credit Polaris offers education and a fictional credit-view preview today. The paid program described below is planned and not open for enrollment.
Every low score has a real story behind it.
A medical bill. A stolen identity. A rough year. Some services turn that story into a confusing sales pitch with tiered pricing, templated letters, and no clear finish line.
We think people deserve better: required human review, personalized letters based on report evidence, and an honest price with a guarantee behind it. The paid program remains unavailable until those operating requirements are ready. We teach as we go because our goal is to help you understand your credit and make informed next moves, not keep you subscribed indefinitely.
Personalized work
The planned paid program prepares letters from report facts and evidence - not mass form templates.
One honest price
The planned paid program is $99/month with no setup fees, tiers, or surprise upsells.
Teach as we go
Our goal is to help you understand credit without depending on an open-ended subscription.
Treat people like people.
Teach as we go, and earn the right to keep serving you - never assume it. That's the filter for every letter we write, every price we publish, and every promise we make.
Our core values.
The operating rules behind how we work with every member.
People first
Paid-program letters receive human review before mailing, and members can see case updates and recommended next steps when they are available in the portal.
Radical honesty
Flat price, plain terms, no guaranteed-miracle promises. If something won't help you, we'll tell you.
Teach, don't trap
We want you to graduate - understanding your own credit and not needing us anymore.
Earn the trust
The 120-day fee-refund window begins on the first-charge date and uses the inaccurate items recorded on your confirmed start-of-service list. The burden of proof is on us, not you.
A defined fee-refund trigger, not an outcome promise.
Paid enrollment is not available yet. If the planned program opens under these terms: A full program-fee refund when zero identified inaccurate negative items from your confirmed start-of-service list are removed within 120 days after the first charge. This does not promise a removal or score increase.
A full program-fee refund when zero identified inaccurate negative items from your confirmed start-of-service list are removed within 120 days after the first charge.
Our goals.
The bigger picture behind the day-to-day work.
Make credit make sense
Turn a system built to confuse people into something anyone can understand in an afternoon.
Build clearer paths forward
Help members review potential errors, understand score factors, and make informed decisions toward goals such as a home, a car, or a fresh start.
Be the honest name in credit
Set the standard for transparency in an industry that badly needs it - no fine print, no games.
A clear 120-day fee-refund promise.
Paid enrollment is not available yet. If the planned paid program opens under these terms: A full program-fee refund when zero identified inaccurate negative items from your confirmed start-of-service list are removed within 120 days after the first charge. This is a fee-refund term, not a promise that an item will be removed or a score will increase; accurate information may remain.
The signed service agreement must provide the full fee-refund terms. The federal 3-day cancellation right is separate and additional.
What you can always count on.
One flat price - $99/month, no setup fees, no tiers, no upsells.
Personalized dispute letters prepared for your report - not mass templates.
A 120-day fee-refund window from first charge, measured against your confirmed paid-start item list.
No guaranteed outcomes and no pressure - just honest, steady work.
First charge only after the 3-day cancellation window and every required first-round letter is confirmed by the mail provider as entered into the mail stream.
Cancel in the portal or through a published support channel - month-to-month with a written agreement.
Credit Polaris helps people understand and improve their credit. We are not a law firm and do not provide legal advice. Results vary; no specific outcome is guaranteed.
Want this in your corner?
Start with a free look at your credit - no card, no pressure.
Preview an example credit view