Inaccurate negative items hold your score down, and you have a legal right to challenge them. thecredit reads your Experian, Equifax, and TransUnion reports, drafts dispute letters grounded in the Fair Credit Reporting Act, and mails them for you.
Free to start · no credit card
3
Bureaus · Experian, Equifax, TransUnion
FCRA
The law behind every letter
24/7
AI help, any time
$0
Free to start · no card
Upload your credit reports from all three bureaus. Our AI reads the terrain and marks every potentially inaccurate negative item holding you in the valley.
The AI drafts dispute letters with the right legal footing - the Fair Credit Reporting Act and FDCPA - one for each obstacle on the trail. You review and approve every letter.
We mail your letters to the bureaus first-class with delivery tracking, and track every response deadline. You watch your climb, step by step.
Disputing at random wastes letters. thecredit finds every lever on your score and works them in the right order.
The AI ranks every action by expected impact on your score - and does the ones we can for you.
We print and mail your letters straight to the bureaus - USPS First-Class with delivery tracking. No post office, no stamps.
Ask anything about your credit anytime - it has read your whole file.
Watch each bureau's reading and see exactly which disputed items were resolved.
Disputed items resolved
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Illustrative dashboard with example data. Individual results vary and are not guaranteed.
Start free. Change plan or cancel anytime.
Pro and Premium cover all three bureaus; every plan includes AI analysis and real-time tracking. No credit card to start. Full pricing details →
Use our free credit dispute letter generator - fill in the item, pick the bureau, and get a mail-ready letter grounded in FCRA §611. Yours to print and send, no account required.
Open the free letter generatorStart disputing the errors on your reports today. Your first step is free.
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