Fix your credit, step by step, with AI.
CreditStride reads all three of your credit reports, finds what's wrong, writes your dispute letters and tells you exactly what to do next. Credit repair companies charge $99 a month for that. CreditStride is free.
Free forever. Opening early 2027. No spam.
| Bureau | Status | Balance |
|---|---|---|
| Equifax | Paid | $0 |
| Experian | Paid | $0 |
| TransUnion | Unpaid | $1,240 |
Dispute this one.
Seven steps from your first report to getting approved.
Your coach walks you through each one and only shows you the next step when you're ready for it.
Set your goal
A home, a car, a business, or just a fresh start. Your plan is built around it.
Get all three reports, free
Equifax, Experian and TransUnion, from the official free site. Checking never hurts your score.
Find what's wrong
Your coach lines up every account across all three bureaus and points out what doesn't match: balances, dates, late marks, duplicates, debts past the time limit.
Send your disputes
Letters written from your facts. You sign on screen, then mail them yourself or have them mailed for you at cost.
Follow up on time
The bureaus get 30 days. CreditStride counts them, reads their answers with you and writes the next letter.
Build while you wait
Simple ways to add good history, like credit-builder accounts and keeping card balances low.
Get funded
A checklist for when you're ready to apply, so you apply once and get approved.
A coach that knows the rules and the deadlines.
Credit laws give you real rights. Most people never use them because nobody tells them how. Your coach does.
- It reads your reports for you.No guessing what a code or status means.
- It writes the letter.From your own facts, in plain words, citing the law that applies.
- It keeps the clock.You get a reminder the day a bureau's time runs out, and what to do next.
- It tells you the truth.If an item is accurate, it says so and shows you how to build around it instead.
TransUnion hasn't answered your dispute.
They had 30 days to investigate the Midland Credit balance. Here's your follow-up letter asking how they verified it.
Free. Not a 30-day trial.
No monthly fee, no setup fee, no "credit audit" fee. Every step works without buying anything.
Want a letter mailed certified for you instead of printing it? You pay the post office's cost, nothing added.
Questions
Is CreditStride a credit repair company?
No. CreditStride is free software and education. We don't contact the credit bureaus or creditors for you. You review, sign and send your own disputes, which is your right under the Fair Credit Reporting Act.
Can you guarantee my score will go up?
No one can honestly promise that. The bureaus must fix or remove information that's wrong or can't be verified, but accurate information can stay. CreditStride helps you find and dispute real errors and build better credit at the same time.
Will checking my reports hurt my score?
No. Checking your own credit reports never affects your score.
Does removing something from my report erase the debt?
No. A debt you really owe is still owed. CreditStride will never tell you to stop paying a real bill.
When does it open?
Early 2027. Join the list and we'll email you the day it opens.