We help people, not just credit reports.
We started Credit Polaris because the credit industry was built to confuse people and bill them forever. We set out to do the opposite.
Every low score has a real story behind it.
A medical bill. A stolen identity. A rough year. Too many companies treat that story as a sales opportunity - confusing tiers, templated letters mailed by software, and fees that never end.
We think people deserve better: a real specialist, personalized letters for your report, an honest price with a guarantee behind it - and we teach as we go, because the goal isn't to keep you forever. It's to get you to the life you're working toward, and set you free.
Personalized work
Letters prepared for your exact report - not mass form templates.
One honest price
$99/month flat. No setup fees, tiers, or surprise upsells.
Teach as we go
You leave understanding credit - not stuck on a 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
A real human owns your case. You're never a ticket number in a queue, and you'll always know who's in your corner.
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
We put our money where our mouth is with a 120-day fee-refund guarantee if none of the inaccurate items you identified are removed. The burden of proof is on us, not you.
We put our money where our mouth is.
120 days. If none of the inaccurate items you identified are removed, full fee refund - no hassle. We're confident enough in the process to make the burden of proof ours, not yours.
We wrote you letters, not templates - and we'll keep going until you're satisfied or your 120 days are up.
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.
Move scores that change lives
Help members clear what's holding them back and qualify for the home, the car, and the 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.
120 days. Fee refund if we miss.
If we do not remove any of the inaccurate negative items you identified within 120 days of starting paid service, contact us for a full refund of program fees - no hassle. We never guarantee removals or score increases; accurate information may remain.
Full fee-refund terms are spelled out plainly in your service agreement. Your federal 3-day cancel 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 guarantee if none of the inaccurate items you identified are removed.
No guaranteed outcomes and no pressure - just honest, steady work.
First charge only after your 3-day cancel window and first letters sent.
Cancel in one click (or by email/phone), any time - 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.
Get my free credit view