Bad credit doesn't fix itself.
That's where we come in.
Tell us who you are, get your three free credit reports with us guiding every click, and a real analyst reads every line to show you exactly how many items are worth fighting.
- Checking your own reports never hurts your score
- A real analyst on every file
- Cancel anytime — no fee
Guided, step by step
your three free reports, with us on the line
A real analyst on your file
and on your phone, as it moves
How it works
Guided, step by step. You approve every move.
We do the real work — and you see all of it. Nothing is challenged or sent without you seeing it first and saying go.
90 secondsTell us about you
Your name, how to reach you, and what’s been weighing on your credit. Ninety seconds, start to finish.
Step by stepGet your reports, guided
Your three free reports come straight from the official site. A step-by-step guide shows you every click, and your analyst stays on the phone. Checking your own reports never touches your score.
Your game planSee what’s worth fighting
We show you exactly how many items on your file are disputable. Your full review breaks down every one — and your analyst calls to plan the next steps with you.
Your dashboard
Everything in one place. All three bureaus.
No signing into Experian, then Equifax, then TransUnion, then trying to remember which one said what. Your whole file sits on one screen, side by side, and it moves as your letters land.
Overview
Items resolved · not a scoreTransUnion
of 7 challenged
Experian
of 6 challenged
Equifax
of 9 challenged
Credit items
Accounts| Item status | TransUnion | Experian | Equifax |
|---|---|---|---|
| In good standing | 6 | 6 | 5 |
| Corrected | 1 | 0 | 2 |
| Deleted | 2 | 2 | 2 |
| Disputing now | 3 | 3 | 4 |
| Still negative | 1 | 1 | 1 |
Your next step
Round 2 letters are ready. Print them, sign them, and drop them in the mail — one envelope per bureau.
- 3 letters ready to print
- Addresses and enclosures listed
- Tell us the day you mail them
Your analyst
On your file
Monday–Friday, 9am–6pm Central
We call you when a round is ready and again when the bureaus answer. You never sit on hold.
My history
- Round 2 letters readytoday
- Equifax responded — 2 deleted6 days ago
- You mailed Round 1Mar 14
- Review deliveredMar 9
Illustrative example. The figures shown are a sample file — not a prediction, not a typical result, and not a promise about your own.
What we go after
If it’s dragging you down, we’re on it.
If an item is inaccurate, outdated, or can’t be verified, we challenge it — at all three bureaus, in writing, on the record.
Collections
the calls, the letters, the account itself
Late payments
the 30/60/90-day marks that linger
Charge-offs
written off doesn’t mean written right
Repossessions
and the balance they say you still owe after
Medical bills
billing errors here are famously common
Bankruptcies
reported wrong more often than you’d think
Hard inquiries
the ones you never authorized
Accounts that aren’t yours
mixed files, identity theft, plain mistakes
Why it matters
This was never about a number.
It’s about what the number stands between you and.
The house
When the lender pulls your file, you want it telling the truth about you.
The car
Walk into the dealership knowing exactly what your reports say.
The handshake
Apartments, rates, refinances — every application starts with what’s in your file.
Your analyst is on your file Monday–Friday
9am–6pm Central
Real people
You'll never do this alone.
Credit repair fails when the customer is left to figure things out by themselves. So we built the whole service around one idea: a person, on the phone, with your file open.
A real analyst owns your file
Not a queue, not a chatbot. One person who has actually read your reports and knows your story.
We call you
You never wait on hold. Once your review is in your hands, your analyst calls to plan next steps — and keeps calling as your file moves.
Everything explained in plain English
Every dispute, every response, every next step — in your portal, in words a human being would actually use.
What it costs
It's free.
No fees, no card on file, no monthly bill. No packages to decode and no monitoring subscription hiding in the fine print.
Free
Your complete review
Your three free reports, every line analyzed, and your full three-bureau game plan. When it’s ready it’s in your portal — and your analyst calls to plan next steps.
Free
While we work your file
Letters written and loaded in your portal ready to print and mail, deadlines tracked, responses chased, your analyst on the phone as it moves. Stop whenever you like.
Why GuidedScore
We built the version of this industry that we’d trust.
We studied how the big names actually operate. Then we did the opposite of the parts we couldn’t stomach.
We never ask for your passwords
Most credit repair companies log into your accounts as you. We never touch a login — everything we do is with your written permission, under your name, on the record.
No monitoring subscription upsell
The industry’s quiet trick: making you buy a $30-a-month monitoring service on top of their fee. We don’t sell one, and we don’t make you buy one.
Free. No card on file.
No fees, no charge at signup, no monthly bill — we don't even ask for a payment method. Stop anytime.
Everything in writing
every dispute, archived and yours
Your review starts the moment you do.
Ninety seconds of you — then we guide you to your reports, show you what’s worth fighting, and build your full game plan.