Credit · Level 1 of the stack
Fix Your Credit. Unlock Capital.
Free forever · FCRA compliant · Metro 2 citations · Already have an account? Sign in
Three tools · one system
Everything you need to fix credit.
Analyze
Upload your credit report. Get an AI breakdown of what's hurting your score and a personalized fix plan in 60 seconds.
Start Free AnalysisDispute
Generate FCRA-compliant dispute letters for all 3 bureaus in 3 rounds. Metro 2 citations. Download PDFs. Mail certified.
Generate LettersLearn
Everything you need to know — how scores work, reading your report, building credit, collections playbook.
Open LibraryHow the credit play works
Three rounds. You approve every letter.
You have the legal right to dispute anything inaccurate, incomplete or unverifiable on your report. The dashboard does the work of finding it and writing it up.
Round 1
The dashboard flags errors, outdated items and anything that can't be verified, and writes your letters. You approve them.
Round 2
30 days later, anything the bureaus didn't fix gets a stronger follow-up letter.
Round 3
Final escalation for what's left, with the citations that apply.
Pricing
Start free. Pay only when a letter mails.
Dashboard
Do it yourself.
$0
- AI report analysis + fix plan
- Round 1–3 letters for all 3 bureaus
- Download and mail them yourself
- The full credit library
We mail it
Most popularYou approve, we print and mail them.
$14.95per letter
- Everything in the free dashboard
- Printed and mailed certified for you
- Charged only when a letter is mailed
- No monthly fee, no upfront fee
The 90-Day Program
Credit is level 1. This covers all five.
$997$1,497
Founding price, first 10 only
- We prepare your letters, you approve
- Business setup + the ASF System
- Funding match with 40+ lenders ($0 to you)
- Weekly group call + your scorecard
You can dispute errors with the credit bureaus yourself, for free. We can't remove accurate, timely information, and no specific score change is promised.
Business owners
The bank said no? Get matched with 40+ lenders.
These lenders look at your business sales, not just a bank's checklist. Apply once and your file is matched to the ones that fit. It costs you $0. The lender pays us when you fund.
Never pay a fee before you're funded. If anyone asks, walk away.
See if you qualify — 30 seconds
1. Do your sales go into a business bank account?
2. Average monthly deposits over the last 4 months?
3. Any month under $2,500 in the last 3 months?
4. How long have you been in business?
Never pay a fee before you're funded. Approval and terms are set by each lender.
Your report can be wrong. Check it free.
Open the dashboard, see what's there, and decide from there.