Automated credit repair & education · Early access
Find credit report errors. Dispute them online.
We're building one online workspace to review your 3-bureau report, prepare disputes you approve, and track bureau responses. Join early access. No phone calls, no appointments.
- No fees for dispute work until it's done
- You approve every dispute
- Cancel anytime
A clear view of what's next.
- Late payment · Auto loanReported 60 days late; member's records show on timeReview needed
- Collection · MedicalAppears twice under two agenciesReview needed
- Hard inquiryNot recognized by the memberReview needed
How it works, start to finish online.
The planned member experience: every item, letter and bureau response in one workspace. Report connections and dispute services are not available during early access.
- 01
Connect your report
Link your 3-bureau credit report through our monitoring partner. We read it and flag items that look inaccurate, incomplete or unverifiable.
- 02
Review what we found
See each flagged item in plain language, with the reason it was flagged and what a dispute would ask the bureau to check.
- 03
Approve and send
Nothing goes out without your approval. Approved disputes are prepared and sent to Equifax, Experian or TransUnion.
- 04
Track every response
Bureaus generally have 30 days to investigate. Each result, whether corrected, deleted or verified, shows up with its date.
Get started online
What are you working toward?
Pick a goal and we'll show the plan your workspace will follow. Early access members are first in line when accounts open.
Your plan
Your plan
You're on the list.
We'll email you when accounts open. In the meantime, you can get your free reports at AnnualCreditReport.com.
You can dispute errors yourself, for free.
You can dispute inaccurate information directly with Equifax, Experian and TransUnion at no cost. Our planned workspace will help organize the paperwork, deadlines and follow-up.
We will never ask you to create a new credit identity, and we can't remove information that is accurate and timely.
Read your credit rightsBuild better credit habits
Know what to work on next.
Correcting report errors is one part of rebuilding credit. Use a clear checklist to review your reports, keep track of payments and understand your balances.
- Review each bureau responseCheck what changed and follow up on errors that remain
- Keep track of payment datesSet reminders and review upcoming account payments
- Understand your card balancesReview balances alongside each account's credit limit
- Check new accounts and inquiriesLook for activity you don't recognize
Planned membership
One membership. Clear pricing before you enroll.
Pricing will be published before accounts open. You will always see the full price before you sign anything, and dispute work is never billed in advance.
- 3-bureau report and change alerts, through our monitoring partner
- Flagged items explained in plain language
- Disputes prepared and sent after your approval
- Every bureau response tracked with dates
- Credit habits checklist and education
- Cancel anytime; 3 business days to cancel any service contract at no charge
Straight answers.
Do you charge anything up front?
No. Dispute work is never billed in advance. You will see the full membership price before you enroll.
How long does a credit dispute take?
Credit bureaus generally have 30 days to investigate a dispute, and sometimes up to 45. Each response appears in your workspace as it arrives.
Will my credit score go up?
No one can promise a score change. Correcting inaccurate items often helps. Accurate negative items generally stay on a report for up to seven years.
Can I dispute credit report errors myself?
Yes. You can dispute inaccurate information directly with Equifax, Experian and TransUnion for free. Upstanding Credit handles the paperwork, deadlines and follow-up for you.
What information do you collect right now?
During early access we collect only your email, your goal and, if you choose, your state. We do not sell your information. See our privacy policy.