The smart software to help you build credit

Personalized tools you need to get the credit scores you deserve

Credit Building Tools at Your Fingertips

Do you know more than 1 in 3 people have inaccuracies on their credit report? Disputing inaccuracies on your credit report can help you quickly build your credit score.

Source: Consumer Reports

Credit management that’s as easy as 1, 2, 3

We make it simple and streamlined for you to build credit. Here’s how it works. 

1. Sign up

Sign up in a few clicks, and we analyze your credit information from all 3 major bureaus.
Dispute hub UI

2. Use our smart software to manage your credit

Our AI flags your credit report for items negatively affecting your score, helps you generate dispute letters, and gives you education on how to build your score.

3. Enjoy the freedom your new credit gives you!

Buy your home, get that loan, save thousands of dollars on interest, and more.
Woman and man looking at computer

Get Started For $39.99/mo.

We give you the tools to take control and build your credit.

Score Center

See your credit scores from the three major credit bureaus, and set your credit score goals. 

Track Your Progress

Track the progress of your dispute letters and responses from the credit bureaus.

Credit Report Review

Review flagged items on your credit report that can be negatively impacting your credit score.

Dispute Hub

Dispute credit report inaccuracies and generate custom dispute letters to help you reach your credit goals.


Find the answers you need to help conquer your credit goals.

It varies by individual, but you can increase your credit score by at least 20 points in 30 days and 50 points or more for individuals who stay on the product longer.


Sources: CreditXpert Mortgage Credit Potential Index and IDIQ® Study of IdentityIQ® and MyScoreIQ® brands


  • Sign up and get access to your 3-bureau reports and scores.
  • Review what is negatively affecting your score, including flagged inaccuracies.
  • Generate dispute letters through the platform and mail letters to credit bureaus.
  • Track your scores, reports, and follow your progress.

CreditBuilderIQ costs $39.99/month.

CreditBuilderIQ helps you resolve credit inaccuracies at a low cost and on your own schedule. Unlike pricey alternatives, CreditBuilderIQ puts you in control by providing easy access to your credit report along with tools to identify inaccuracies and generate dispute letters. It’s a convenient, affordable way to reach your credit goals.