Frequently Asked Questions

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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.

We give you the tools you need to build your credit yourself. Other tools for disputing inaccuracies, like assisted credit repair, can cost hundreds of dollars per month. Other online solutions often don’t offer full 3-bureau report and score insights, even though lenders may be pulling information from any of the three major credit bureaus.

Dispute Hub

More than 1 in 3 consumers have an inaccuracy on their credit report. These inaccuracies can negatively impact your credit profile and scores. Disputing inaccuracies with the major credit bureaus is an effective way to build your scores.

Source: Consumer Reports

No, disputing inaccuracies does not negatively impact your credit score.

No. As you review your credit report, you can note inaccuracies directly in our system. Then, our system compiles your feedback into a formal dispute letter for submission.

Credit Report Review

In the credit report review, you can examine all three of your reports from the major credit bureaus for inaccuracies and add items to dispute letters with the click of a button.

Negative items (missed payments, defaults, collections, or bankruptcies) and mismatched items (items reported by one credit bureau that are different from another) are flagged.

You should only dispute inaccurate credit report items. If you attempt to dispute an item that is accurate, the credit bureau may not make changes to your credit report. 

You can refresh your 3-bureau report and analysis once a month.

Have more questions?

Feel free to email us at One of our experts will get back to you.