From "where do I even start?" to a decision-ready plan.
Explore a fictional example now, then see how the planned paid program is designed. Paid enrollment is not available yet.
Preview an example, free
Preview a plain-English credit view built with fictional data - no account, personal details, card, or consumer-report request.
A plan gets reviewed
The planned paid program requires human review of the report and supporting evidence before any dispute letter can mail.
Letters go out
In the planned paid program, supported letters go to applicable bureaus and furnishers. The first charge waits for every required first-round letter to have provider-confirmed mail entry.
We track results
In the planned paid program, responses and item outcomes are logged so progress and the next supported step stay visible.
We adapt & repeat
In the planned paid program, later rounds are adapted only when responses, timing, and new supporting evidence justify them.
For the planned paid program, Phases 3-5 repeat only when responses, deadlines, and new supporting evidence justify another round - never just to fill a calendar.
How the paid journey is designed.
Paid enrollment is not available yet. This timeline describes planned fulfillment, not current customer operations.
Fictional example credit view
The current public path uses fictional example data. Live report intake remains closed until the provider and privacy-request channels are ready.
Human review before mail
The planned paid program requires human review of the available report and supporting evidence before any letter can mail.
Your custom plan + first letters
If paid enrollment opens, the planned paid program will prepare supported first-round disputes for human review. The first charge will wait for the 3-day cancellation window and provider-confirmed mail entry for every required first-round letter.
First responses come back
Bureaus generally have about 30 days to investigate. In the planned paid program, replies and outcomes will be logged and explained. Results vary.
Round two + follow-through
In the planned paid program, unresolved items will be reviewed for a supported next step. Another letter will require a specific basis; no fixed outcome is promised.
Evidence-led follow-up
In the planned paid program, later rounds will depend on responses, timing, and new evidence. Outcomes will be logged; accurate items may remain.
The hard cases + real education
In the planned paid program, supported unresolved inaccuracies may receive further review while education remains available. No duration or result is guaranteed.
Graduation
If paid enrollment opens, the planned program will be month-to-month under a written agreement, with cancellation available in the portal and any additional published launch channels.
How the work would be divided.
The planned paid program requires actions from both the team and the customer before work can move forward.
Planned team role
- Reading your full report, line by line
- Preparing personalized letters for your report
- Tracking responses and mailing justified follow-ups
- Talking to the bureaus on your behalf
- Teaching you what's actually moving the needle
Planned customer role
- Authorizing a live report connection when available
- Forwarding any bureau mail you receive
- Paying bills on time going forward
- Asking us anything, anytime
Good to know.
Questions about the fictional preview and the planned paid program.
How fast will I see results?
Bureaus generally have 30 days from receipt to investigate a proper dispute. If you send more relevant information during that period, the deadline can extend by up to 15 days. Response timing and outcomes vary. If paid enrollment opens, the planned program will track replies and next steps rather than promise a removal date.
Will checking my credit or disputing items hurt my score?
Disputing inaccurate information is a federal right and is not itself a hard inquiry. The current fictional preview requests no consumer report. If live intake opens, the provider's pull type and inquiry disclosure will be shown before authorization. Checking your own free annual reports from AnnualCreditReport.com does not hurt your score.
Is the free credit view really free?
The current public experience is a free fictional example. It requests no consumer report, personal information, account, or card. Live consumer-report intake and paid enrollment are not available yet.
What kinds of items can actually be disputed?
Potential disputes include information that may be inaccurate, incomplete, unverifiable, or obsolete - such as an account that is not yours, a duplicate collection, a wrong balance, or an item beyond the applicable reporting period. Evidence and circumstances matter.
Can you remove accurate, verified information?
No - and be cautious of anyone who says they can. Accurate, timely items may remain until they age off. The planned paid program is limited to good-faith challenges supported by the report facts and evidence.
How is this different from doing it myself?
You can dispute on your own for free. If paid enrollment opens, the planned program will offer optional help with report review, supported letters, response tracking, and evidence-led follow-up.
What happens if a removed item comes back?
If paid enrollment opens, the planned $99 program will include a supported re-dispute at no extra cost while the program remains active. A reappearance still requires review of the report, notice, and available evidence.
Do you work with all three credit bureaus?
If paid enrollment opens, the planned workflow may address supported inaccuracies across Experian, Equifax, and TransUnion and applicable furnishers. Actual coverage will depend on the reports reviewed, the items selected, and the evidence available.
Will disputing affect a loan or mortgage I'm applying for now?
Disputing doesn't itself create a scoring penalty, but some lenders pause on accounts marked 'in dispute.' If you are mid-application, discuss timing with your lender before starting new disputes.
Is there a contract, or can I cancel anytime?
Paid enrollment is not available yet. If it opens, the planned program will be month-to-month with no long-term lock-in, but it will still require a written service agreement and federal 3-day cancellation right. 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. The portal and published launch channels will provide cancellation methods.
When do you charge the first $99?
If paid enrollment opens, the planned first charge will not occur at signup. It can occur only after the 3-day cancellation window ends and the mail provider confirms every required first-round letter entered the mail stream. Prepared, queued, or accepted-for-processing letters do not count.
What do you actually need from me?
The current public preview needs no personal information or report. If paid enrollment opens, the planned program will require report authorization or upload, item selection, supporting evidence when available, and any bureau responses needed for follow-up.
Is my personal information kept private?
We use information to provide and operate the service, protect accounts, meet security or legal obligations, and work with contracted service providers. Our Privacy Policy explains these practices and the choices available to you.
Preview how the credit view works.
Explore fictional data without sharing personal information.
Preview an example credit view