EaseMyCredit disputes inaccurate items, negotiates with creditors, and clears a path to a stronger score — the easy way, with no payment required until we've actually done the work.
Free consultation · No obligation · Cancel anytime
*Illustrative example only. Individual results vary based on your unique credit file — we do not guarantee specific score outcomes.
From bureau disputes to direct creditor negotiation — every service is handled by our team, tracked in your client portal.
We file formal disputes with Equifax, Experian, and TransUnion for every inaccurate, outdated, or unverifiable item.
BasicWhen a first dispute doesn't resolve, we escalate with additional documentation and follow-up filings.
BasicOngoing access to your credit reports and scores, with a visual tracker showing progress over time.
BasicWe contact creditors directly to challenge questionable entries and negotiate on persistent issues.
Full ServiceWe legally require creditors and collectors to prove a debt is valid before it can remain on your report.
Full ServiceWe stop unwanted or harassing collector contact while your dispute is being processed.
Full ServiceWe fix incorrect names, addresses, and identity mismatches that can drag down your file's accuracy.
Full ServiceFor late payments on otherwise good accounts, we request goodwill removal directly from the creditor.
PremiumPractical tools and coaching to build positive credit history alongside repair work.
PremiumDirect calls with your case specialist — not a call center, a person who knows your file.
PremiumOngoing monitoring to catch new fraudulent accounts or inquiries before they cause damage.
PremiumBudgeting and debt-management guidance to support long-term financial health, not just a score number.
PremiumWe review your credit reports together and identify exactly what's dragging your score down.
You get a clear plan — which items we'll dispute, which creditors we'll contact, and realistic timelines.
Disputes are filed, creditors are contacted, and everything is tracked in your client portal.
Monthly updates on what's changed, what's pending, and what's next — no guesswork.
In compliance with the Credit Repair Organizations Act, you're never billed until after that month's work is complete.
No — and any company that promises a specific score increase should raise a red flag. We can only dispute items that are inaccurate, outdated, or unverifiable. Results depend on your individual credit file.
No. In compliance with the Credit Repair Organizations Act (CROA), we never charge for a month's work before that work is actually performed.
It varies by case — some items resolve within one 30-45 day dispute cycle, while more complex cases can take several months of ongoing work.
No, and we won't claim to. It's illegal to remove accurate, current, verifiable information from your credit report. We focus only on inaccurate or outdated items.
Yes. There's no long-term contract lock-in — you can pause or cancel your subscription whenever you'd like.
Start with a free, no-obligation consultation. No pressure, no upfront cost.
Book Your Free Consultation →Disclosures: EaseMyCredit is a credit repair organization as defined under the Credit Repair Organizations Act (CROA). Improving your credit report may improve your credit score, but results are not guaranteed and depend on the specific contents of your credit file. You have the right to dispute inaccurate information on your credit report yourself, free of charge, directly with the credit bureaus.
You may cancel your contract without penalty within 3 business days of signing. We do not charge any fees until services are actually performed, in accordance with federal law.