Start improving your credit today.
Saving more, paying less in interest, and living life on your own terms could be sooner than you think. We challenge the inaccurate, outdated, and unverifiable items holding your score back, then help you build the credit you deserve.
Personal service. A plan built around your report.
We use the rights you have under federal credit reporting law to challenge what doesn't belong on your report, and we teach you how to keep your credit strong after we're done.
Track your present
Online access to your file with live status updates, so you always know where every dispute stands.
Clean up your past
We work with the credit bureaus and your creditors to challenge inaccurate, outdated, and unverifiable items.
Increase your score
Add positive credit the right way with credit-building strategies and tradeline options matched to your goals.
Change your future
Learn the habits that keep your score high, so the results last long after your plan ends.
How can better credit improve your life?
Your credit follows you everywhere: the home you buy, the car you drive, the rate you pay, even some job and rental decisions. Better credit means more yeses and lower costs.
What could better credit save you?
Compare a loan at a higher rate with the same loan at a better rate. Enter the rates you've been quoted, or use the examples.
Example rates for illustration only, not a quote or a promise of any rate. Actual rates depend on the lender, your full credit profile, income, and the loan.
Four steps from where you are to where you want to be.
Free consultation & credit analysis
We review your reports with you, flag negative items and possible errors, and get clear on your goals.
Your customized plan
You get a plan for disputing inaccurate items, addressing negative marks, and rebuilding positive credit.
Disputes & follow-up
We handle the communication with the bureaus and creditors and keep you updated as items are reviewed.
Build & monitor
We guide you on building and protecting your profile, with optional credit monitoring to catch changes.
Pick the level of support you need.
Simple monthly plans. Not sure which one fits? Your free consultation will tell you.
Essential
Core credit repair to start correcting inaccurate items on your report.
- Disputes with all 3 bureaus
- Online portal with live updates
- Ongoing monitoring support
- Credit education & tips
Advanced
More aggressive disputes and monitoring for faster-moving credit goals.
- Everything in Essential
- More aggressive dispute strategy
- Ongoing monitoring support
Premium
Full-service support for complex credit files and larger financial goals.
- Everything in Advanced
- Full-service, complex files
- Planning for home, auto & funding goals
Everything ScoreMend covers
Tradelines
Authorized user tradelines that can add age and positive history to your profile and help lower your credit utilization. Browse and request online.
Credit Monitoring
Watch your reports and scores and catch changes fast. Try it for $1 for 7 days.
Credit Sweep
A comprehensive, all-bureau push to challenge inaccurate negative items at once, with FTC Identity Theft Report support. Starting at $2,500.
Public Record Assistance
Specialized handling for liens, judgments, and other public record items. $2,500 – $5,000.
Business Credit & Funding
Build a business credit profile separate from your personal credit and get funding-ready through our partner firm, ECS.
Credit Education
Plain-English answers about how credit works, what can be disputed, and how to keep your score strong.
Start monitoring your credit today for $1.
$1 for your first 7 days, then $24.97/month. Cancel anytime with the monitoring provider.
Straight answers
How long does credit repair take?
It depends on what's on your report and how the bureaus respond. The bureaus generally have 30 days to investigate a dispute, and many clients see the first updates within 30 to 90 days. Some items resolve in one round; others take more. We keep you updated throughout.
Can you guarantee my score will go up?
No honest credit repair company can guarantee specific results. Outcomes depend on what's actually in your report and how creditors and bureaus respond. What we do guarantee is that we'll challenge inaccurate, outdated, or unverifiable items on your behalf and keep you informed the whole way.
Will checking my credit hurt my score?
No. Using our monitoring system will not hurt your score. Checking your own credit is a soft inquiry, no matter how often you check.
Is credit repair legal?
Yes. The Fair Credit Reporting Act gives you the right to dispute inaccurate information, and the Credit Repair Organizations Act sets the rules credit repair companies must follow. You can also dispute on your own for free.