Your wealth starts with your score.

Your personalized credit plan — in minutes.

Upload your credit reports, answer a few questions, and get your exact action plan — what to dispute, negotiate, and pay — with scripts and letters written for your specific accounts.

Help
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Upload
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Questions
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Your Plan
Upload your credit reports

Click each bureau below to upload that bureau's PDF report.

Experian
Click to upload
Equifax
Click to upload
TransUnion
Click to upload
Innovis
Click to upload
Business Credit Report
D&B · Experian Business · Equifax Business · Nav — click to upload
Optional
Where to get your free reports:
  1. Experian, Equifax & TransUnion → AnnualCreditReport.com — click each bureau one at a time, then click "Print or save my report" and save as PDF.
  2. Innovis (4th bureau) → Innovis.com/credit/request — no save button, use the PDF steps below.

Business Credit Report (Optional)

Get your free report from Nav.com (easiest — aggregates D&B, Experian Business, and Equifax Business), dnb.com (Dun & Bradstreet), or businesscreditfacts.com (Experian Business). Save as PDF and upload above.

No save button? Save as PDF in 10 seconds: Windows: Press Ctrl + P → Set destination to Save as PDF → Click Save
Mac: Press Cmd + P → Click PDF bottom left → Save as PDF
Phone: Tap the three dots → Tap Print → Pinch to zoom out → Tap the PDF icon → Save
A few quick questions

Answer each question — the more detail you provide, the more precise your plan will be.

Pick everything that applies. You can select more than one.
Be realistic. We build your plan around this so you know what is possible by when.
This matters because each state has different rules about how long a debt can be collected. Some of your debts may be too old to collect on — and we will tell you which ones.
This is the amount that actually lands in your bank account — not your salary before taxes. Look at your last paycheck. Multiply it by how many times you get paid in a month. We use this to figure out how much you can realistically put toward paying off debts.
Be honest. Even a small amount can make a real difference with the right strategy. This helps us figure out if we can recommend settling debts now or if we need to build a slower plan.
Some loans and apartments require a minimum score. If you know the number you need, enter it here. Not sure? Leave it blank and we will recommend the right target based on your goal.
This affects what collectors can legally pursue and how we structure your plan.
Homeownership affects wage garnishment protections and homestead exemptions in your state.
Personal credit and business credit are separate systems. If you have a business or plan to start one, we will include a business credit section in your plan — including how to establish it through Dun & Bradstreet, what trade lines are, and how to protect your personal credit from your business.
Recent collector contact triggers specific federal protections under the FDCPA — this changes the strategy significantly.
Prior bankruptcy affects what can be disputed, when items fall off, and what strategies are available to you.
If so, we will include an honest bankruptcy analysis in your plan — whether you are a candidate, what it would look like, and what the next steps are.
Co-signed debts require a different negotiation strategy — the co-signer's liability changes your options.
This shapes the tone, strategy, and dispute language in your plan. An identity theft victim has very different legal options than someone who fell behind on payments.
We will email you a copy of your plan so you have it saved.
Building your credit plan...

This usually takes 30 to 60 seconds.

  • Reading your credit reports
  • Identifying items to dispute
  • Checking statute of limitations by state
  • Building your negotiation strategy
  • Writing your action plan
Your Credit Action Plan
Generated just now
Goal: Better Credit
Current Score Range
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from your reports
if you follow this plan
Target Score
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your goal
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Bureaus
Analyzed
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Month
Timeline