Four plans, each one flat rate

All three nationwide credit bureaus: Experian, Equifax, and TransUnion. You can import reports from each bureau, and the AI cross-checks them — an item reported differently by two bureaus is often itself a disputable inaccuracy. Every plan that includes dispute letters covers all three bureaus at no extra charge.

thecredit is built around the Credit Repair Organizations Act (CROA). We charge a flat subscription — no advance fees for services not yet rendered, no per-deletion charges, and no fees tied to results. We do not and cannot guarantee that any item will be deleted or that your score will rise by a specific amount; no credit repair organization may lawfully promise that. thecredit is software you operate: you decide what to dispute, and every letter goes out with your approval.

Yes. Under the Fair Credit Reporting Act (FCRA) §611, you have the right to dispute any item on your credit report that you believe is inaccurate, incomplete, or unverifiable. thecredit helps you find those items — late payments, collections, charge-offs, and other negative marks — and drafts disputes grounded in the FCRA. You review and approve every letter before it goes out. Once a bureau receives a dispute, it generally has 30 days to investigate and respond.

Section 611 of the Fair Credit Reporting Act gives you the right to dispute inaccurate or incomplete information directly with the credit bureaus. Once a bureau receives your dispute, it must conduct a reasonable reinvestigation — typically within 30 days — and correct or delete information it cannot verify. thecredit drafts letters that cite §611 and the specific inaccuracies in each item, mails them for you on paid plans, and tracks the 30-day clock for every bureau so no deadline slips by.

You import your credit reports from all three bureaus. The AI reads every tradeline and flags items that look inaccurate, incomplete, inconsistent across bureaus, or past their reporting window. It then drafts FCRA-grounded dispute letters citing the specific statutes behind each challenge. You stay in control: the AI drafts and analyzes, but you review and approve every letter before it is mailed. On paid plans we send your letters first-class with USPS tracking, and the app tracks each bureau's response and deadline for you.