Fix Your Credit Score The Smart Way
Data-driven credit repair platform with AI-powered insights and professional dispute tools. Start improving your credit score today.
Everything you need to improve your credit
Professional-grade tools previously only available to credit repair agencies
Monte Carlo Simulator
10,000+ scenario simulations with probabilistic forecasting and confidence intervals.
Dispute Templates
Professional letter templates for removing inaccurate credit information.
Bureau Integration
Automatic data sync with Experian, TransUnion, and Equifax.
Progress Tracking
Real-time score monitoring with detailed analytics and insights.
Personalized Plans
AI-powered action plans tailored to your unique credit profile.
Expert Support
Access to credit specialists and comprehensive educational resources.
Learn How to Fix Your Credit
Expert tips, guides, and strategies to improve your credit score
Simple, transparent pricing
80% cheaper than traditional credit repair services
Monthly
Flexible month-to-month billing
- Monte Carlo credit score simulator
- Professional dispute letter templates
- Personalized action plans
- Credit monitoring dashboard
- Progress tracking & analytics
- Educational resources
- Email support
- Mobile app access
Annual
Save 20% with annual billing
Just $12/month, billed annually
- Monte Carlo credit score simulator
- Professional dispute letter templates
- Personalized action plans
- Credit monitoring dashboard
- Progress tracking & analytics
- Educational resources
- Email support
- Mobile app access
Credit Repair Questions
Clear answers before you dispute, pay down balances, or use a template.
Can credit repair remove accurate negative information?
No. Accurate negative information generally cannot be removed just because it hurts a score. Credit repair is strongest when it focuses on inaccurate, unverifiable, outdated, or incomplete information.
What credit score factors should I work on first?
Payment history and revolving utilization usually deserve the most attention. On-time payments build long-term strength, while lowering reported card balances can sometimes change score factors faster.
Do dispute letters guarantee a score increase?
No. A dispute letter can help correct inaccurate credit report information, but score changes depend on what changes on the report and how a scoring model evaluates the updated file.
Is this legal or financial advice?
No. FixMyCredit provides educational content and tools. For legal disputes, debt collection issues, bankruptcy, taxes, or credit counseling, consult a qualified professional.
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