Money Coach · Debt Crusher · Credit Repairer
Free: 3 questions/day
Unlock unlimited →You can dispute any inaccurate or incomplete information. Bureaus must investigate within 30 days and remove unverifiable items.
You're entitled to one free report per year from each bureau at AnnualCreditReport.com — Experian, Equifax, and TransUnion.
Send a written cease-and-desist and collectors must stop. Violations carry fines up to $1,000 per incident.
Most negatives — late payments, collections, charge-offs — must be removed after 7 years. Bankruptcies after 10 years.
If denied credit, lenders must tell you why in writing within 30 days so you can dispute or correct the reason.
Unlimited AI coaching, dispute tracking, credit monitoring, and weekly wealth reports — all in one app.
or $79/year — save 34%
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