Powered by our proprietary ScoreForge™ engine

Bad credit is
not a life sentence.

Our expert team and proprietary ScoreForge™ engine analyze your credit reports, file disputes with all 3 bureaus, and relentlessly fight to remove negative items — automatically, every 30 days.

Start repairing my credit →See how it works
512
Excellent
TransUnion
512762+250
498
Excellent
Equifax
498748+250
520
Excellent
Experian
520772+252
0+
Items removed
0%
Success rate
+0 pts
Avg score increase
Real results

Our clients speak for themselves

"I had 6 collections dragging my score down to 510. CreditScrubber's team got 4 of them removed in the first round. I'm at 687 now and just got approved for a mortgage."

Marcus T.
Miami, FL
+177 pts

"I get notifications that disputes were filed, items removed, scores updated. I don't have to call anyone or track anything. It just handles it. 586 to 741 in 5 months."

David R.
Phoenix, AZ
+155 pts

"My car loan APR was 18.9% because of my credit. After CreditScrubber removed the old collections and late payments, I refinanced at 6.2%. Saving $340 a month."

Jennifer M.
Houston, TX
+267 pts
How it works

Three steps. Zero effort.

You sign up. Our team and ScoreForge™ engine do the rest. Seriously — that's it.

📊
Step 1
Connect your credit

Securely link your credit reports from all three bureaus. Takes about 2 minutes.

🔍
Step 2
We analyze & attack

ScoreForge™ identifies every disputable item. Our team generates unique FCRA-compliant letters and files with all 3 bureaus.

📈
Step 3
Watch your score climb

Track real-time progress on your dashboard. Every 30 days, we re-analyze and file the next round.

Learn more about our process →
Your dashboard

Real-time visibility. Zero guesswork.

Track every dispute, every removal, every score change — while our team does the heavy lifting.

668
TransUnion
654
Equifax
672
Experian
4
Items removed
2
Active disputes
3
Rounds completed
700+
Score target
Simple pricing

One plan. No surprises.

$179/mo

Cancel anytime · No contracts · No hidden fees

Expert team + ScoreForge™ engine — all 3 bureaus
Automated 30-day dispute cycles
Real-time score monitoring dashboard
Credit monitoring included — all 3 bureaus
FCRA-compliant dispute letters
ScoreForge™ strategic recommendations
Unlimited dispute rounds
Email + SMS progress notifications
Dedicated support team
Start repairing my credit →

Most clients see results within the first 30-day cycle

Boost your results

Add-on subscriptions

Popular
Identity protection
+$19.99/mo

Dark web monitoring and identity theft insurance to keep your information safe.

Dark web scanning
SSN monitoring
$1M identity theft insurance
Fraud resolution support
Creditor negotiation
+$39.99/mo

Our team sends settlement offers, pay-for-delete, and debt validation letters on your behalf.

Pay-for-delete letters
Settlement negotiation
Debt validation disputes
Cease & desist letters

Your future self is
counting on you.

Every day you wait is another day with higher interest rates, denied applications, and missed opportunities. Let our team start fighting for you tonight.

3-day money-back guarantee · Cancel anytime · CROA compliant

Bank-level encryption
AES-256 + TLS 1.3
FCRA compliant
Federal law protected
3-day cancel guarantee
CROA compliant
SSN vault protected
Encrypted at rest
Your rights under federal law

You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly, at no cost to you. No one can remove accurate and timely negative information from your credit report. You are entitled to a free credit report annually from each of the three major bureaus at annualcreditreport.com.