Upscore reviews all three of your credit reports line by line, then disputes items that are inaccurate, unverifiable or past their reporting window — and keeps you updated at every round.
No upfront fees. You only pay for work completed after your first month. Results vary and are never guaranteed.
6 of 10 disputed items have been updated by the bureaus so far. Illustrative example — every file is different.
Working with lenders, brokers and housing counselors across 38 states
Errors are more common than most people think. We look for the issues that quietly drag a score down and challenge them through the process the law gives you.
Paid accounts still showing a balance, wrong open dates, or a late payment reported in the wrong month.
The same debt listed twice after it was sold to a collector, each one counted against you.
Most negative items should drop off after seven years. Some don't, and they need to be challenged.
Every client is paired with one credit specialist who reads your reports, explains what they find in plain language and builds disputes around the specific errors on your file.
Disputes move in rounds. Tap through each stage to see what we do, what you do, and how long it usually takes.
Timelines are typical, not promised. Bureaus generally have 30 days to investigate a dispute (up to 45 in some cases).
No setup fee and no charge until your first month of work is done. Couples save 20% on any plan.
For a few known errors on one or two reports.
Our full dispute program for most clients.
Paced around a mortgage pre-approval date.
Fees are charged only after services for that month are fully performed. You may cancel at any time. You have the right to cancel within 3 business days of signing without any charge. Demo pricing for illustration.
“I had a collection on my report for a hospital bill my insurance already paid. Danielle walked me through it and it was gone after the second round. I finally understood what was on my report.”
“They were upfront that nothing is guaranteed, which honestly made me trust them more. Two items were corrected and they helped me plan which cards to pay down before applying.”
“The portal shows every letter they sent and every response. It took a few months, but I could see the work happening the whole time instead of wondering.”
Testimonials reflect individual experiences and are not typical or a guarantee of future results. Demo content.
Anything we do, you can legally do yourself for free. Clients hire us for the time, the follow-through and the know-how.
A specialist will review what you're seeing on your reports, answer questions and tell you honestly whether our service makes sense for you.
Still deciding? Call (555) 014-2208 and ask us anything.
No, and you should be wary of anyone who does. We challenge items we believe are inaccurate, unverifiable or outdated. The bureaus and creditors decide the outcome, and results vary for every client.
Most clients stay with us for three to six months. Each dispute round usually takes 30–45 days because bureaus have a set window to investigate.
No one can legally remove accurate, timely and verifiable information. What we can do is make sure what's reported is correct, complete and within its legal reporting period.
Never upfront. Your first monthly fee is charged only after the first month of work has been completed, and you can cancel at any time.
No. We don't run a credit check for the consultation. If you sign up, we use a soft-pull monitoring service that doesn't affect your score.
Free consultation. No credit check. No pressure.