Your 90-day action plan
What to do today
Credit repair companies charge $70–$150 a month to mail letters you can write yourself — disputing your own report is free, and it's your legal right under the FCRA. This plan walks you through the exact same process, step by step. Do the step that's lit up, check it off, and move to the next one.
All sales final — no refunds.
Your progress, letters, and tracker entries stay on this device, in this browser — nothing you type here is uploaded anywhere. Print or copy anything you need to keep.
Before you spend a dime anywhere else
What the big names charge for the same dispute process — researched October 12, 2026. Prices change; check each company's site for current pricing.
| Company | What they charge | The catch |
|---|---|---|
| Lexington Law | $139.95/mo | Open-ended monthly billing for months; price verified on the company's own FAQ page. |
| Credit Saint | $79.99–$139.99/mo | Plus a $99–$195 first-work fee before letters go out. |
| Sky Blue Credit | $79–$99/mo | Still a subscription — 6 months runs roughly $475–$595. |
| DisputeBee (DIY software) | $49/mo | You still pick the items, print, mail, and track everything yourself. Price verified on its pricing page. |
| Dovly (DIY software) | $39.99/mo | Free tier covers TransUnion only, one dispute a month. |
| Credit Come-Up | $99.99 one-time | No subscription, no monthly bill, nothing to cancel — the plan, letters, and deadline tracker in one place. All sales final — no refunds. Get Credit Come-Up — $99.99 one time All sales final — no refunds. |
Sources: Lexington Law FAQ · DisputeBee pricing · Sky Blue Credit · Money — best credit repair companies. Done-for-you services typically run 3–6 months, so their real total is usually several hundred dollars. No company — including this app — can legally promise you deletions or a specific score. Results vary from person to person.
All sales final — no refunds. Credit Come-Up is a $99.99 one-time digital purchase. You get instant access to the complete plan, letter generator, tracker, and tools, so we do not offer refunds, returns, exchanges, or money-back guarantees for any reason — including if a dispute comes back verified, an item is not removed, or your score does not change. No outcome was ever promised. If you have not bought yet, please be sure before you check out.
Read this before you start — your rights
This app is an educational, do-it-yourself tool. It is not a credit repair company, not a law firm, and not financial advice. Nobody here files disputes for you — you write your letters, you sign them, and you file them online yourself. That's a strength: the Federal Trade Commission and the Consumer Financial Protection Bureau both say you can do everything a credit repair company does, yourself, for free.
- Disputing inaccurate, incomplete, or unverifiable information on your own credit report is free and is your right under the Fair Credit Reporting Act (FCRA).
- Your three reports are free at AnnualCreditReport.com — the only site federal law authorizes.
- Accurate, current, verifiable negative information cannot legally be removed early. Most negatives age off after 7 years; bankruptcy after 10. Anyone who promises otherwise is breaking the law.
- No outcome is guaranteed. Timelines in this app are the bureaus' legal deadlines (30–45 days per round), not promises.
- All sales are final — no refunds on this digital product, for any reason.
Full federal disclosure of your credit file rights: Consumer Credit File Rights Under State and Federal Law (15 U.S.C. §1679c).
Letter generator
Letters written around your facts
Bureaus flag mass-produced form letters as frivolous. These letters are built from your account details and your reason, with the law cited and an evidence checklist — the way a dispute is supposed to look. Pick a letter, answer the questions, review it, then download or copy it and file it online.
Before you generate: gather this proof. A dispute with documents attached gets investigated harder than a claim with none.
Your letter — review before you send
Read every line. Fix anything that isn't exactly true — only dispute information that is inaccurate, incomplete, or unverifiable. Never dispute a debt you know is accurate as "fraud" or "not mine" — that can backfire and, on an application, can be illegal. When it reads right, download it and file it online — the Send your dispute section right below walks you through it.
Send it online — no printing, no post office:
- Download the letter with the button above so the file is ready to upload — or copy the text to paste into the bureau's dispute form.
- Go to the Send your dispute section right below and tap your bureau's File online button. Filing is free, in your own bureau account.
- Upload the letter file (or paste the text), attach any evidence you checked off above if the portal asks for documents, and submit.
- Save the confirmation number the bureau shows you, then log the filing in the Tracker — bureau, date filed, confirmation number — so the 30-day countdown runs.
- Don't dispute everything at once. Work a few items per bureau per round — blanket disputes get labeled frivolous.
Send your dispute
Sending in this app is 100% electronic — no printing, no stamps, no post office. This app writes your letter and opens the right door; you do the actual filing, signed into your own free account at each bureau. The app can't sign in to a bureau for you or file a dispute on your behalf — that last step is always yours, and it's free.
One item can need three filings. Each bureau keeps its own file on you, and an item is only disputed at the bureaus you have actually filed with. If the same error appears on two or three reports, file at every bureau that reports it: use Make all 3 bureau copies in the generator above so each copy is addressed to the right bureau, send each one from its card here, and log each filing separately in the Deadline tracker so every bureau gets its own 30-day countdown.
Deadline tracker
Every dispute, on the clock
Under FCRA §611, a bureau generally has 30 days from receiving your dispute to investigate — 45 days if you disputed from your free annual report, and the clock can stretch 15 more days if you send extra information mid-investigation. Log each dispute the day you file it — with the bureau it went to and the confirmation number — and this tracker counts the days down. If the deadline passes with no answer, that's not a dead end — it's your escalation trigger.
Your disputes
Result interpreter
The bureau answered. Now what?
Bureau result letters are written to be confusing. Pick the result you got and get the plain-English meaning plus your exact next move.
Escalation library
When round 1 isn't enough
Work these in order. Each step is a real legal lever — and each one works better because you kept your paper trail from the steps before it.
Somebody else's debt on your report? Identity-theft fast lane
If an account truly isn't yours, don't run a normal dispute — identity theft has stronger tools: blocking. A bureau must block identity-theft information within 4 business days of getting your theft report and proof of identity.
- File a report at IdentityTheft.gov. The FTC builds you a personal recovery plan and a pre-filled Identity Theft Report.
- Send each bureau the theft report + proof of ID and ask for a block on the fraudulent items — not a dispute. Keep copies of everything.
- Freeze vs. fraud alert — know the difference: a credit freeze locks your file so no new credit opens in your name; it's free, and you must place it with each bureau separately. A fraud alert tells lenders to take extra steps to verify you; place it with one bureau and that bureau must notify the other two. An initial alert lasts 1 year; identity-theft victims can get an extended alert for 7 years.
- If a collector chases you for the fraudulent debt, send the debt validation letter from the Letters tab and include a copy of your theft report.
Only use this lane for genuine identity theft. Filing a false theft report is a crime — never use it to dodge a debt that's really yours.
Phone scripts
Short, calm, and on paper. Write down the name of everyone you talk to, plus the date and time.
Tools & lessons
The numbers that move your score
Disputes clean the past. Utilization and on-time payments build the future. These two habits usually matter more than any single deletion — and they're fully in your control.
Utilization calculator
Utilization = how much of your credit limit you're using. It's about 30% of a FICO score. Under 30% is the old rule of thumb — under 10% is where the best scores live. Add your cards:
The statement-date trick: most card companies report your balance to the bureaus on your statement closing date — not your due date. So paying before the statement closes makes the low balance the one that gets reported. Find the closing date on your statement, pay the card down a few days before it, and your reported utilization drops even if you use the card again afterward. Still pay any remaining balance by the due date to dodge interest.
Score-factor walkthrough
How the FICO score is weighted (FICO's published breakdown). This is an educational explainer — not a score estimate. No app can tell you your real FICO score or promise how many points any action is worth; actual results vary.
What-if: pay a card down
Drag the slider to see how a payment changes your utilization math. Utilization is real arithmetic — the point impact is not, which is why we show you the math and not a fake score.
Two-minute lessons
Never do these — no exceptions:
- No CPNs. A "credit privacy number" sold as a fresh start is usually a stolen Social Security number. Using one is federal fraud.
- No fake documents — no doctored pay stubs, bank statements, or police reports, ever.
- Never dispute an accurate debt as fraud or "not mine." Dispute what's inaccurate, incomplete, or unverifiable — that's the legal standard, and it's plenty.
- Never pay a collector who won't put a deal in writing first — and never give a collector electronic access to your bank account.
- Never ignore a court summons over a debt. A default judgment is worse than the debt.
Help & support
Ask the Credit Come-Up assistant
Stuck on a step, a letter, or a bureau reply? Ask below. The AI assistant is built into this app and answers from the Credit Come-Up guide — your 90-day plan, letter rules, deadlines, and escalation steps. Nothing you type here leaves your device.
AI Help Assistant
Ask in plain words — “how do I dispute?”, “what does verified mean?”, “when do I file a CFPB complaint?” — and get the exact next step plus a shortcut to the right tool.
The assistant gives general educational guidance from this app's content — it is not legal or financial advice, and it can't see your credit report or mail anything for you. For anything it can't answer, use the official help links below.
Quick answers
Official help & human support
Free official sources
The places this app points you to — all free, all run by the government or required by federal law.
AnnualCreditReport.com — the only federally authorized site for free Experian, Equifax, and TransUnion reports.
IdentityTheft.gov — the FTC builds you a personal recovery plan and an Identity Theft Report.
consumerfinance.gov/complaint — file when a bureau or company won't fix a real error after you've disputed.
The bureaus, direct
Mailing addresses are also built into every letter the generator writes for you.
P.O. Box 4500, Allen, TX 75013
P.O. Box 105788, Atlanta, GA 30348-5788
Consumer Dispute Center, P.O. Box 2000, Chester, PA 19016
Disputes in this app are filed online at each bureau's portal — free, and the confirmation number you get when you submit is your proof. Log it in the Tracker with the date you filed and the 30-day clock runs from there.
Need a person, not a guide? If a bureau keeps reporting something it knows is wrong, a consumer attorney can review a strong paper trail — many take FCRA cases on contingency. Your evidence file is exactly what this app helps you build: your letters, certified mail receipts, result letters, and tracker dates.
Your license key on this device
This device is unlocked with the license key saved in this browser. On a shared device, remove the key so the tools lock again here — your key stays in your Gumroad receipt and library whenever you need it again.