We dispute the negative items dragging down your score. Do it yourself with our free dispute letters — or let us handle everything and pay just $100 for each item we actually remove.
Sample report · your actual items pulled in 5 minutes
Both start the same way — we pull your report and find every negative item. Then you choose.
We analyze your 3-bureau report and write custom, FCRA-based dispute letters. You print and mail them, and track progress in your dashboard.
We run our most aggressive dispute strategy and handle the entire process. You only pay for the negative items we actually get removed.
Then just $30/item after your first $600 · remove nothing, pay nothing
Get the Performance planBoth plans start with a $1 credit report from IdentityIQ (Step 1 below).
You pick how far we take it from there.
IdentityIQ pulls your full report from all three bureaus for $1. We read it instantly and find every negative item hurting your score.
We write custom, FCRA-based dispute letters targeting each negative item — collections, charge-offs, errors, and more.
Free plan: you mail the letters. Performance plan: we run the aggressive playbook — and you only pay for what actually comes off.
Credit repair is one of the most scam-ridden industries in America — and the law knows it. Under the Credit Repair Organizations Act, companies can’t take your money before delivering results. Most of the industry skirts that line. We build our whole business on it.
You’re charged $100 per item only after it’s confirmed removed from your report.
We show you a before/after report for every single removal you pay for.
If an item doesn’t come off, you owe nothing for it. Ever.
It’s more than a number. Here’s what a clean report unlocks.
Get your home loan approved faster with a stronger credit score.
Report errors can cost you job opportunities. Clean up your report and stop worrying about background checks.
Better credit means lower rates on everything. The savings compound for years.
Walk into the dealership with a strong score and get the financing you deserve.
Bad credit holds you back. Fix it once and watch every door open.
Higher score means higher limits — more purchasing power and better rewards.
We dispute it — the bureaus remove it.
Both plans begin right here.
Skip the call. Sign up, connect your report, and we waive the full $199 analysis fee — no pressure. Most people are up and running in 5 minutes.
Get started free →Book a one-on-one call with a credit expert to walk through your report together.
Analysis fee: $199 · waived when you start online
Schedule a call →IdentityIQ pulls your full report from TransUnion, Experian & Equifax for just $1, and keeps monitoring it so we can re-check each round.
Get My Credit Report ($1)Opens in a new tab — this page stays open
Enter your IdentityIQ login and we’ll pull your report and show you exactly what’s hurting your score — then you pick Free or Performance.
Create My AccountAlready have IdentityIQ? Start here.
“Super professional, quick, and effective. Three collections gone in the first round and my score jumped 47 points. Paying only for what they actually removed made it a no-brainer.”
“I was skeptical, but they only charged me after items came off — and they showed me the proof. Started free, upgraded once I saw it working. Wish I’d done this years ago.”
Every day with a low score is money lost — on every loan, card, and deposit. Start free, or let us handle it and pay only for what we remove.
5 minutes to start · first removals in 35–45 days · no removal, no charge