About
Real dispute-letter software. Actually free.
Rapid Rescore was built on the belief that fixing your own credit shouldn't require paying someone else to do it for you.
Why we exist
Fixing your own credit shouldn't be locked behind a paywall.
A credit report carries an error — a paid-down balance that never posted, a resolved dispute still showing open, an account that was never yours to begin with. The tools to fix it are the same ones credit repair companies charge for: identify the item, draft the letter, send it under your rights in the FCRA.
Rapid Rescore exists because those tools don't need to be locked behind a paywall. We built the real thing and made it free — and we make money only if you want the mailing or notarization handled for you, not from access to the software itself.
Real people use Rapid Rescore to fix their own credit every day — not a hypothetical.
Where we started
We saw what credit repair companies charge. We thought it should be free.
Generating a dispute letter isn't hard — it's writing down the facts and citing the right law. Companies in this space charge for exactly that. We built the same tools and gave them away, with optional mailing and notarization for people who want those handled.
How we work
Three things that don't change as we grow.
Built for you, not a business behind you
Rapid Rescore is built for the person actually trying to fix their own credit — not a business charging them to do it.
Accuracy first
Every dispute is grounded in FCRA accuracy and verifiability requirements, not a blanket template.
Direct, not outsourced
Letters go straight to Experian, TransUnion, and Equifax — no middleman, no waiting on someone else's queue.
Free to start. No card. Takes 5 minutes.
Create your account and generate your first dispute letter today — optional mailing and notarization are there if you want them.