Build your credit. Build your legacy.
Upload your report and get a personalized action plan in seconds: dispute letters, a funding score, and clear next steps. Free to start.
Trusted by 25,000+ building their financial future
Credit score
Score progress
Last 6 months
Your next best action
Pay down your card balance by $350 before May 25
Your progress
4 of 7 actions this month
Alerts
- New account reported
- Utilization changed
- Payment reported
$10,000
Small business grant, closes in 14 days
View opportunityCred insight
Utilization is what's holding your score back. Fix it first.
Fix Your Credit in 3 Easy Steps
Say no to credit repair companies. No to $1,000 fees. No to debt collectors chasing you down. AI helps you in minutes.
Upload your report
Simply upload your credit report PDF file from any bureau — Experian, TransUnion, or Equifax.
Get your plan and letters
Credacy flags negative items and AI generates personalized, legally compliant dispute letters ready to send out.
Track every result
Follow the step-by-step guidance and track your progress as negative items get removed.
Stop paying hundreds a month or trying to figure it out alone. Let AI do it for you.
Credit overview
Your score
Analyze.
Get the exact dispute letters and steps to repair your own credit — instantly, in plain English.
- Upload your report from any bureau
- Cred identifies every score-blocking item
- No guesswork, no confusing jargon
Dispute letter
30-day clock
18 days until bureau response
Dispute.
AI-drafted, accurate dispute letters — ready to send in seconds, not days.
- Personalized to your exact report
- Ready to send to all three bureaus
- Every letter's 30-day clock tracked automatically
Your results
Disputed
12
Removed
5
Alerts
- Collection removed
- Balance updated
- New inquiry
Cred insight
You've kept $412 this year that a repair agency would have taken.
Save.
Credit repair companies charge $79–$149 a month plus setup fees. Credacy is one flat price — you own the process.
- Save hundreds compared to hiring it out
- No contracts, cancel anytime
- Same dispute logic, none of the markup
One plan. Everything you need.
No tiers. No hidden fees. Cancel anytime.
Builder Only
Repair and build your personal credit
- AI credit-report analysis
- Unlimited AI dispute letters
- FCRA-compliant dispute letters
- Step-by-step dispute guidance
- Credit Class education
- Personal credit overview (all 3 bureaus)
- Prioritized action plan
- Progress tracking
- Community access
- Cancel anytime
Create your account, then pay securely. Cancel anytime.
Frequently Asked Questions
Credit bureaus have 30 days to investigate disputes. Many members see their first score changes within 30–45 days of sending their first round of letters.
No problem — we'll walk you through pulling your reports for free in Credit Class from Experian, TransUnion, and Equifax before you upload anything.
No one legitimately can — and you should be skeptical of anyone who promises one. What we guarantee is a personalized, accurate dispute process based on your actual report.
Yes. No contracts, no cancellation fees. Cancel anytime from your account settings.
No — Credacy is a DIY software tool. You stay in control and send your own letters; we're not acting as your credit repair organization on your behalf.
Every plan includes Credit Class
Download Credacy and get free access to our full credit repair course — how disputes actually work, how utilization is calculated, and how to build credit that lasts.
People Are Rebuilding Credit
See what's possible when you take control of your own dispute process.
"I found three errors on my Equifax report I didn't even know were there. Cred walked me through disputing all three in one afternoon."
Maria
611 → 698
"I was paying a credit repair company $120 a month for almost a year with barely any movement. Two months into Credacy and I've had four items removed."
Devon
"The dispute letters felt like something an attorney wrote, not a generic template. I sent them straight to all three bureaus the same day."
Aaliyah
542 → 615
Example results shown for illustration. Individual results vary based on your credit report and dispute outcomes.