Pull your credit view in under two minutes.
Enter the basics, authorize a soft-pull view, and see the items most likely blocking better approvals. Then choose whether Credit Polaris should work your plan for you.
Start with your free report view.
Prepared for your report. Specific reasons. Never a mass template.
The credit bureaus ignore mass-produced, copy-pasted letters - the kind most companies send. We don't send those. Every dispute letter is prepared for your report with specific reasons, mailed fresh every 30 days on the paid program.
To whom it may concern,
I'm writing about an account on my report that doesn't belong to me. I've never held this card, and I've enclosed proof of my address history showing…
Five phases. No jargon.
Start free - you'll see real value before you ever pay.
See your credit, free
Connect or upload your report and get a clear, plain-English free credit view - no card, no payment, no pressure.
We build your plan
A real specialist reviews your report and builds a dispute strategy around the inaccurate items you chose - never a mass template.
Letters go out
Every 30 days we mail fresh, personalized dispute letters to the bureaus and furnishers on your behalf - real mail, not form letters. First charge waits until this work starts.
We track results
As responses come back, we log which items were removed - and you can see progress and the next step in one place.
We adapt & repeat
Each round we adapt your plan and send fresh letters based on what's working - never the same letter twice.
Phases 3-5 repeat every 30 days - a sharper plan each round - until you've made the progress you need and know how to keep it.
The doors a stronger score opens.
Credit isn't the goal - it's the key. Here's what our members use theirs for.
A home of your own
Qualify for a mortgage with rates that don't punish your past.
The right car
Finance the car you actually need - not the one you settle for.
A degree, funded
Unlock student and refinance options that fit your future.
Your own business
Get the loan or credit line that turns an idea into income.
Room to grow
Lower-rate personal loans for the renovation, the wedding, the fresh start.
Better cards, better rates
Graduate to premium cards and lower interest on everything you carry.
Everything, for one honest price.
Personalized for your report
Each round is prepared from your report with specific reasons - not mass form letters. On the paid program, we mail them for you.
One flat price - $99/mo
No setup fees, no tiers, no per-item charges, no surprise upsells. Unlimited disputes while you're on the program - month-to-month.
120-day fee-refund guarantee
If none of the inaccurate items you identified are removed in 120 days, contact us for a full refund of program fees - no hassle. We never guarantee removals or score increases.
Personal Concierge
A dedicated specialist who knows your name and your case, and guides every step personally.
A real human team
Always reachable specialists who know your case - not a chatbot maze.
Progress you can see
See a clear view of your report analysis free - and full item, letter, and score tracking on the paid program.
You stay in control
We teach you how credit actually works, so the results last long after you graduate.
120 days. Fee refund if we miss.
If we do not remove any of the inaccurate negative items you identified within 120 days of starting paid service, contact us for a full refund of program fees - no hassle. We never guarantee removals or score increases; accurate information may remain.
Full fee-refund terms are spelled out plainly in your service agreement. Your federal 3-day cancel right is separate and additional.
Doors that opened.
Composite examples - and the life each score change unlocked.
Ready to open some doors?
See exactly where your credit stands today - free, in two minutes.
Get my free credit view