Start with a free credit view - no card. When you're ready, $99 a month covers personalized disputes, a real specialist, education, and tools. First charge after your 3-day window and first letters. Cancel anytime.
$0 to start · soft pull only
Month-to-month · no setup fee · no long-term contract
Everything below is in the $99 plan - no add-ons, no upsells later.
Buy dispute work, a specialist, and a dashboard separately and you're often past $100 a month. One flat price bundles the live essentials.
Bought separately
Typical market rates for the same pieces
$100+/mo
Credit Polaris
One flat price covers all three
$99/mo
No mass form letters. No copy-paste blasts. Each dispute is prepared from your actual report with specific reasons, then mailed to the bureau on your behalf.
I am writing to dispute the accuracy of information currently appearing on my credit report. After reviewing my report and payment records, I believe the late-payment notation on the account referenced above does not reflect what actually happened.
No tier maze. No setup fee. No chatbot gauntlet when you want out.
Everyone pays $99 - here's what a clearer file unlocked for them.
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.
Four steps - no setup fee, no retention maze.
Connect or upload your report and see a plain-English free credit view. No card, no charge - ever, to just look.
Join the program with a written agreement and a 3-day cancel right. No setup fee - and you're not charged at signup.
Your first $99 hits only after the 3-day window ends and we've sent your first dispute letters. Failed send means no charge for that step.
One click in your dashboard, or email/phone. Month-to-month. Within 120 days, the fee-refund guarantee still applies on its terms.
Correct. You start with a free credit view and only pay the $99/month once you choose to begin - and the first charge waits until after your 3-day cancel window and first letters sent.
If we do not remove any of the inaccurate negative items you identified within 120 days of starting paid service, contact us and we'll refund the program fees you paid - full refund, no hassle. We never guarantee that any item will be removed or that your score will go up; accurate information may remain. Full terms are in your service agreement.
We re-dispute it at no extra cost. Re-disputes are part of your flat monthly price.
Each person has their own report, so each needs their own membership - but there's no bundling fee. Month-to-month either way.
One click in your dashboard, or by email or phone. No phone-tree, no retention games.
It's month-to-month with no long-term lock-in. When you join you'll review and sign a written service agreement that includes your federal 3-day cancel right.
See exactly where you stand - no card, no setup fee, no pressure.
Get my free credit view