About
This industry earned the distrust. We're built to be the exception.
Credit repair has spent decades charging fees upfront, promising numbers nobody can deliver, and going quiet for weeks at a time. The federal government has collected billions in judgments from the biggest names. GuidedScore was started to do the opposite of all of it — and to make the difference something you can check, not something you have to take on faith.
Here's the truth at the center of this business: you don't need anyone to fix your credit report. Federal law gives you the right to dispute errors yourself, free, and your reports are free every week from all three bureaus. Any honest company in this industry has to start by admitting that.
What people actually need help with is the labor: reading three dense reports line by line, knowing which defects matter, writing disputes that hold up, tracking thirty-day response windows across three bureaus and a dozen furnishers, and pressing on when the first answer is a form-letter "verified." That's the job. We do it carefully, we show you every step in plain English, and we get paid after the work exists — not before.
How we work
Six commitments, each one checkable
Not what results we'll get — nobody can promise that honestly. These are promises about how the work is done, and every one of them is something you can verify for yourself.
It's free
No fees, no card on file, no monthly bill. The review and the dispute work cost you nothing, and you can stop anytime.
The contract is public
The exact agreement you'd sign is published on this site, in full, before you've given us so much as an email address. Read it on your couch with no salesperson watching.
You watch the work happen
Every dispute we write, every letter waiting in your portal, every bureau response that comes back — visible as it happens. The industry standard is 45 days of silence. We think the silence is the product defect.
Your name on every envelope
We write each dispute letter and load it in your portal ready to print. You sign it and mail it yourself, so every dispute arrives from your own mailbox, in your own name — exactly the way the law expects.
Your own words ground every dispute
We challenge items you tell us are inaccurate and request verification on items you don't recognize. Items you confirm as accurate come off the table — nobody can remove accurate information, and we say so plainly.
A real person calls you
One analyst owns your file, and when something moves — a response lands, a deadline passes, a decision is needed — they pick up the phone and call you. You never chase us for an update.
Accountability
Founder-run. One state at a time, done properly.
GuidedScore is founder-run and built to operate under state credit-services law — a regulator you can call and a bond you can claim against, not a P.O. box serving fifty states. We'd rather be fully accountable where we work than anonymous everywhere. Before you hire us — or anyone — read your rights. An honest company should want you to know them.
Find out what's actually on your reports.
The first step takes ninety seconds — and it's free. No card, no bill.
Start My Review →