Fix your credit, manage your finances, and build toward your goals — one platform, three simple steps.
Sign up in under a minute — no credit card required. You get instant access to the full platform with a free tier that includes dispute letter generation, budget tracking, and your credit dashboard.
Upload your credit report from Equifax, Experian, or TransUnion (or all three). Credit 800's AI scans every account, identifies disputable inaccuracies, and builds a personalized action plan ranked by score impact.
Generate FCRA-compliant dispute letters with one click — each citing the exact legal sections relevant to your case. Track deadlines with the dispute calendar, automate follow-up rounds, and watch your score climb.
Credit 800 is not just a dispute tool — it's a complete financial platform. Your disputes feed your score tracker. Your score tracker feeds your loan readiness. Your budget feeds your goals. Every tool shares context so you always know exactly where you stand and what to do next.
Every tool you need to improve your credit, manage your money, and build toward your goals — from fixing your credit to tracking your budget to preparing for a loan.
Upload your report and get FCRA-compliant dispute letters citing specific legal sections, tailored to each inaccuracy.
Log income and expenses by category, visualize monthly spending with charts, and stay on top of your finances.
See how ready you are for a mortgage, auto loan, or credit card based on your credit score and debt-to-income ratio.
Set credit score, savings, net worth, and debt payoff goals. Track progress with visual bars and get notified when you hit them.
7 professional dispute and debt letter templates — goodwill, pay-for-delete, cease & desist, debt validation, and more.
Track your freeze status across all 3 bureaus, store your PINs securely, and get direct links to freeze or unfreeze instantly.
Choose avalanche or snowball method. See exact payoff timelines and interest savings for every account.
Simulate what happens to your score when you pay off a card, open a new account, or resolve a collection.
Get alerted when your score changes, a goal is reached, or a dispute deadline is approaching.
Searchable, categorized credit education modules with progress tracking to help you understand every aspect of your credit.
Generate and mail FCRA-compliant CFPB complaints against bureaus and creditors when disputes aren't resolved.
Track all dispute timelines, deadlines, and round-2 readiness in one place so nothing slips through the cracks.
Browse recommended secured cards, credit-builder loans, and store cards filtered to your current credit score range.
Upload and organize credit reports, dispute letters, bureau responses, and identity documents by category.
Paste any demand or collection letter and get an instant breakdown of claims, deadlines, your rights, and a response draft.
See all accounts across all three bureaus with balances, statuses, and one-click dispute flagging.
Log and visualize your score trends over time from multiple sources and bureaus, with CSV export.
Browse FCRA-compliant example letters for collections, charge-offs, late payments, and a dozen other dispute strategies.
Create your free account and start disputing inaccuracies, tracking your budget, and building toward your goals today.