Skip the credit repair company. Do it yourself.
Disputing errors on your credit report is your right under the Fair Credit Reporting Act, and disputing is free. Dispute Beast is a do-it-yourself tool, not a credit repair company: you bring your own credit monitoring (ProCreditWatch or Beast Credit Monitoring), it finds what's worth disputing across all three bureaus, with FICO® 8 or VantageScore, writes the letters, and can mail them for you through our partner Sprint Mail. It works in the Dispute Beast iOS app and on the web, and the Beast AI Credit Coach is built in for your questions along the way.
Pick your city
- El Paso, TXHorizon City, Socorro, Canutillo
- Phoenix, AZMesa, Tempe, Scottsdale
- Milwaukee, WIWauwatosa, West Allis, Greenfield
- Chicago, ILEvanston, Oak Park, Cicero
- Jacksonville, FLOrange Park, Jacksonville Beach, Arlington
- St. Louis, MOFlorissant, Kirkwood, Chesterfield
- Albuquerque, NMRio Rancho, Bernalillo, Los Lunas
- Los Angeles, CALong Beach, Glendale, Burbank
- Dallas, TXFort Worth, Arlington, Irving
- Atlanta, GADecatur, East Point, College Park
- Detroit, MIDearborn, Warren, Southfield
- Las Vegas, NVHenderson, North Las Vegas, Spring Valley
- Huntsville, ALMadison, Decatur, Athens
- Tucson, AZOro Valley, Marana, South Tucson
- San Diego, CAChula Vista, La Mesa, El Cajon
- Fort Worth, TXArlington, Haltom City, Benbrook
- Memphis, TNGermantown, Bartlett, Collierville
- Kansas City, MOKansas City, KS, Independence, Overland Park, KS
- Charlotte, NCMatthews, Concord, Gastonia
- Indianapolis, INCarmel, Fishers, Greenwood
Common questions
Yes. Dispute Beast has an iOS app for iPhone, and it also works in any web browser. Both include the Beast AI Credit Coach, which answers your credit questions and explains what to do next, any time.
No. Dispute Beast is a do-it-yourself dispute tool. We don't contact the bureaus for you or charge a monthly service fee. You bring your own credit monitoring, the app finds the items worth disputing and writes the letters, and you decide what goes out.
Yes. Under the Fair Credit Reporting Act you can dispute any information you believe is inaccurate or can't be verified, directly with Equifax, Experian and TransUnion, at no cost. The bureaus generally have 30 days to investigate, sometimes 45.
The app itself has no software fee. Its AI needs live access to your 3-bureau report, so you subscribe to one of two independent monitoring services: Beast Credit Monitoring at $49.99 a month (VantageScore 3.0) or ProCreditWatch at $59.99 (FICO 8). Both use soft pulls, so checking never hurts your score. Printing and mailing through Sprint Mail is optional and priced separately.
No, and anyone who promises that is a red flag. Disputes work on information that is wrong, incomplete or can't be verified. If an accurate item is on your report, time and new positive history are what move your score.