Pick the plan that covers your full dispute cycle.
Review reports, lock decisions, generate letters, and track every round from the same dashboard.
Annual is priced for the longer timeline. Monthly stays open if you want a lighter start.
3-6 months
Typical dispute window
50%
Annual savings vs monthly
1 place
Reports, letters, and rounds
Annual access
Cover the full dispute cycle upfront and lock in the lower effective price.
Selected
$149.99
What this plan covers
- Most users need multiple rounds across several months.
- One payment covers the longer timeline.
- Priced lower than paying month by month.
Payment starts after sign-in so the plan stays attached to the right dashboard.
The workflow stays together from review to follow-up.
Everything is shaped around one job: keeping the dispute file organized while you move through each round.
Report review
Go line by line, keep what is right, and dismiss what is wrong before you send anything.
Dispute letter prep
Generate bureau-ready letters tied to the report choices you lock in.
Round tracking
Keep every 30-day cycle, bureau status, and follow-up in the same workflow.
Saved drafts
Step away and come back without losing your selections, notes, or latest review state.
Billing management
Update payment details or manage your subscription through Stripe's billing portal.
Setup reminders
Profile details and identity docs stay visible as readiness tasks without blocking report work.
The annual plan matches how disputes actually move.
Bureau timelines are slow by design. Annual keeps the whole window covered without making you think about monthly renewal friction.
Most users do not finish in one round.
Annual covers the full pace of bureau responses and follow-ups.
You spend less than stacking monthly charges across the same window.
Cleaner than agency billing. Faster than doing it from scratch.
Agencies usually charge monthly because time works in their favor. This page is priced around getting the work done inside one dashboard you control.
Typical 6-month cost
Letter preparation
Round tracking
Control over final review
Short answers before you pay.
When does billing start?
Billing starts as soon as payment is confirmed. Paid access opens the report workflow right away.
Why is annual the default choice?
Most disputes play out over multiple rounds. Annual matches that timeline and costs less than staying on monthly for the same span.
Can I still choose monthly?
Yes. Monthly stays available on the same page and keeps the same workflow open while the plan is active.
Do I need identity files before I pay?
No. Payment and report review can move first. Government ID and proof of address stay as separate setup tasks for later mailing readiness.
What happens after payment?
You land in the dashboard with report review, letter prep, and round tracking unlocked under the paid account.