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Fix Your Credit Free
Our AI scans your credit reports, identifies every disputable item, and generates professional letters — completely free. Enter your info to get started.
Our free AI credit repair tool analyzes your Equifax, Experian, and TransUnion reports, identifies every disputable item — late payments, collections, charge-offs, and errors — and generates professional credit dispute letters ready to mail. No experience needed. No cost. Start repairing your credit score in under 60 seconds.
The Process
Credit repair is your legal right under the Fair Credit Reporting Act (FCRA). You have the power to dispute any inaccurate, unverifiable, or outdated information on your credit report — and bureaus are required by law to investigate within 30 days.
Realistic Expectations
Many negative items can be removed — if you know your rights. Under the FCRA, bureaus must investigate disputes within 30 days and delete anything they can't verify.
Goodwill letters work for isolated incidents with otherwise good history
Debt validation letters can remove unverifiable or sold debts
Dispute accuracy; negotiate pay-for-delete with original creditor
Unauthorized inquiries must be removed by law
Most negatives removed after 7 years (10 for bankruptcy)
Wrong balances, duplicate accounts, identity errors — all disputable
Credit Education
Knowledge is your most powerful credit repair tool. These expert guides explain your legal rights under the FCRA and FDCPA, and show you exactly how to dispute credit report errors, remove collections, and improve your credit score.
Generic letters get ignored. Learn the FCRA § 611 language and certified mail process that forces bureaus to investigate within 30 days.
Under the FDCPA, you have 30 days to demand validation. If the collector can't verify the debt, they must stop — and the bureau must remove it.
A goodwill letter appeals directly to the creditor. Written correctly, they work more often than most people expect — and the score impact is significant.
Payment history (35%), utilization (30%), length (15%), new credit (10%), mix (10%). Know the weights, and you know where to act first.
Most negatives drop off after 7 years. Bankruptcies after 10. But errors and unverifiable items can be removed at any time — right now.
Not every creditor reports to all three bureaus. A collection may appear on one report but not another. Dispute all three — simultaneously.
FAQ
Yes, completely free. Our AI credit repair wizard is provided by QVA Holdings at no cost as a community resource. There is no credit card required, no subscription, and no hidden fees. We believe everyone deserves access to free credit repair tools.
Your credit report is processed securely using encrypted connections and is used only to identify and dispute the negative items holding your score back. We do not permanently store the contents of your credit report on our servers. Your privacy is fully protected.
Credit bureaus are legally required to investigate disputes within 30 days. Most people see initial credit score improvements within 45–90 days of sending dispute letters. Full credit repair — depending on the number and severity of negative items — typically takes 3–12 months of consistent effort. Our AI helps you prioritize the highest-impact items first.
You can dispute any item you believe is inaccurate, incomplete, or unverifiable. However, accurately reported negative information that the creditor can verify will generally not be removed. Our AI credit repair tool focuses on items most likely to be successfully disputed — errors, outdated items, and unverifiable accounts.
We look for credit partners with a credit score of 700 or above. Once your credit repair efforts bring your score to that level, you can return to our site and apply as a credit partner to earn $10K–$100K by leveraging your improved credit score in real estate partnerships.
Yes. Equifax, Experian, and TransUnion each maintain their own independent databases and must be disputed separately. A negative item may appear on one, two, or all three credit reports. Our free credit repair tool analyzes and generates dispute letters for all three bureaus simultaneously, saving you significant time.
It takes less than 2 minutes to upload your credit reports and receive personalized, FCRA-compliant dispute letters. Free credit repair, no cost, no commitment — just results.
Our AI scans your credit reports, identifies every disputable item, and generates professional letters — completely free. Enter your info to get started.