Start with a free credit audit
Understand your next step before choosing a plan. Share your goals and we will explain how to upload a report securely and use the DIY tools. No card or purchase required.
1. Free audit request
2. Request confirmation
3. Consultation
4. Choose a plan
What we can review
- Potential reporting errors and items needing supporting records.
- Credit utilization and your home, auto or other credit goals.
- Which DIY letter options fit your situation.
This form does not pull or analyze a report. A personalized audit requires your report and consent. Upload reports only after signing in—never send SSNs or account numbers here.
Request your free review
Preview: what a Round 1 letter looks like
Illustrative sample. Your real letter is built from your own report after you sign in.
[Your name]
[Your address]
Experian
P.O. Box 4500
Allen, TX 75013
Re: Request to investigate inaccurate information
To whom it may concern, I am writing to dispute the following item on my credit report, which I believe is inaccurate or incomplete. Under the Fair Credit Reporting Act, I request that you investigate…
Creditor: SAMPLE COLLECTIONS · Account ending XXXX · Reason: balance and dates reported inconsistently across bureaus. Please correct or delete and send me written results.
Review limits & consumer rights
Credit improvement, removals and financing approval are not guaranteed. You may dispute inaccurate information yourself for free. Any paid credit repair service requires applicable disclosures and a written agreement; no credit repair fee may be collected before the agreed services are fully performed.