A free app. No card, no trial.
Real estate agents, loan officers, insurance agents and tax preparers — what changes when a client understands their own file before a transaction starts.
You upload your own credit report. The app reads it with you — and for every negative item, it names the section of the Fair Credit Reporting Act that governs it, with a link to the actual law. Not a summary of the law. The law.
If you decide to dispute something, the app drafts the letter for you. You fill in three things: your name, your mailing address, the date.
It is your letter, in your name. We never contact a bureau or a creditor for you.
You sign in with Google. You have two ways to do it, and either one works.
There is a second reason to pick Option 2, and it matters more than the clutter: the letters you send are your record. If a bureau ever says it never received something, what you have is your copy and the date on it. Keeping all of it in one account built for this — instead of scattered through an inbox you use for everything else — is how that record stays intact.
It needs to open in Safari.
The square with an arrow coming out of it, at the bottom of the screen.
Scroll down a little in that menu to find it.
Sign in with Google. That’s it.
It needs to open in Chrome.
Top right corner of Chrome.
On some phones it says “Add to Home screen” instead.
Sign in with Google. That’s it.
You will need a copy of your credit report. The app shows you where to get one.