Question 1

Is this a trap? If it's free, what's the actual catch?

Accepted Answer

There isn't a hidden one — there are two visible ones, and we'd rather tell you up front than have you find out later. We charge for physically mailing your letters with tracking, and for optional notarization. That's it. If you print your own letters and mail them yourself, you will never be asked to pay us anything, ever, for your own credit.

Question 2

Will my data be stolen? I have to give you my SSN and documents.

Accepted Answer

Your SSN and documents are encrypted the moment they're stored, and never shown in plain text to anyone — including our own staff. We only ask for what's legally required to file a dispute on your behalf, and nothing is sold or shared beyond what's needed to process your own letters.

Question 3

Is this legit, or some kind of credit-repair scam?

Accepted Answer

We don't promise a specific outcome, and you should be skeptical of anyone who does — that's actually illegal for a credit repair service to promise. What we give you is the real, FCRA-backed dispute letter process, so you can run it yourself instead of paying someone else to run it for you.

Question 4

How is this different from paid credit repair software?

Accepted Answer

Same core tools — generating dispute letters, tracking every account and round — just free. Optional mailing and notarization are available if you want them handled for you.

Question 5

Do I need any experience to use this?

Accepted Answer

No. Add the accounts you want to dispute (or import your report), and the letters are generated for you — ready to print and mail, or upgrade to have us mail them.

Question 6

How do I get started?

Accepted Answer

Create a free account — no credit card required — and generate your first dispute letter today.

Question 7

Where do I see the status of my dispute?

Accepted Answer

In your dashboard — every letter shows its status, including what's been disputed and where it stands with each bureau.

Question 8

Can I manage someone else's credit too, like a family member's?

Accepted Answer

Yes — the same account can manage disputes for other people. More details on that are coming soon.

Question 9

Does this work on mobile?

Accepted Answer

Yes — your dashboard is built to be checked from a phone, not just a desktop.

Question 10

What documentation is usually needed?

Accepted Answer

It depends on the item — proof of a paid-down balance, a resolved dispute, or documentation that an account isn't yours. Requirements vary case by case.

Question 11

How long does a dispute actually take?

Accepted Answer

Bureaus generally have 30 days to investigate under the FCRA. If an account is still there and unresolved afterward, the process can move to the next round automatically.

Question 12

What happens if a bureau needs more information?

Accepted Answer

The dispute stays open and your dashboard reflects that status, so you know it needs attention rather than assuming it's still processing.

Question 13

Is my data encrypted?

Accepted Answer

Yes — data submitted through the Service is protected with encryption in transit and at rest. See our Security page for a fuller summary.

Question 14

Who has access to my file?

Accepted Answer

Access is limited to what's needed to process your own disputes — not open by default to anyone else.

Question 15

Do you sell my data?

Accepted Answer

No. We don't sell personal information. It's shared only with the bureaus as necessary to process a dispute, with service providers under confidentiality obligations, or where legally required.

Every question we hear, in one place.

Is this actually free?

Using Rapid Rescore

How long it takes, and what's needed

How your data is handled

Free to start. No card. Takes 5 minutes.