Credit Score
Watch your score climb
Monitor your VantageScore across all three bureaus, refreshed automatically so you always know where you stand.
Users Helped 50,000+
92+ Pt Average Score Increase*
Private AI Coach
Optimized for iOS
Stop Guessing. Start Attacking Your Credit in Less Than 5 Minutes.
Download the Dispute Beast app to analyze your credit, find negative items, create your next attack, send your letters through Sprint Mail, and get personalized advice from your private AI Credit Coach — all from your iPhone.
Download Free on the App Store
Free to download · Private AI Credit Coach · Take action in minutes
Talk to your Beast AI Coach
Great news! I found 3 accounts reporting soon. Pay Chase before Monday for +18 pts.
Ask anything
Late payment removal (43%)
Taking you to the app
↺ Replay Flow
Credit Score
32 pts to go
648
Start New Attack
It's time to Attack
4 negative accounts ready to dispute.
Your Credit Score
Credit Overview
648
+20 pts
Full Accounts Removals
6 Removed
Talk to your Beast AI Coach
Great news! I found 3 accounts reporting soon. Pay Chase before Monday and you'll gain 18 points. Want me to walk you through it?
Ask anything
Late payment removal progress (43%)
Taking you to the app
Your Attack Hub is ready. Let's go generate your first dispute letters.
↺ Replay Flow
Credit Score
32 pts to go
648
Target: $80k
Start New Attack
It's time to Attack
We found 4 negative account items ready to dispute. Launch your next Attack now.
Your Credit Score
Credit Overview
648
+20 pts
Full Accounts Removals
6 Removed
Removed
Entire account removed from your credit report
Equifax TransUnion Experian
Full control of your Credit
Equipping you with the ability to take full control of your Financial health
At Dispute Beast, we aim to be more than just another credit app. We strive to become your trusted partner in your pocket, dedicated to helping you on your financial journey.
Meet Your New
Beast AI Credit Coach
Credit can be confusing. Now, you don't have to figure it out alone. Have conversations about your credit, understand exactly where you stand, and get personalized guidance on where to go next.
Private & anonymized Your AI Coach works with anonymized credit data only — no personal info is ever shared or stored by the AI.
Compare & Plan Ahead
Improved IQ Action Plan
Our powerful dispute engine now includes strategies for Late Payment removals.
24/7 Support
Built-in 24/7 Support
Need a human touch? Chat with the Dispute Beast support team instantly, any time of day, directly from your account.
Notifications
Stay Informed Instantly
Get smart push notifications for score updates and required actions.
Onboarding
Seamless Onboarding
Get started fast with a redesigned, intuitive signup flow.
Learn
The New "Learn" Hub
Explore guides, blogs, and exclusive content designed to empower your financial literacy.
How It Works
From Confused to Taking Action in Minutes.
The app is built to help you move quickly from "I don't know what to do" to "my next credit attack is ready."
- 1
Download the App
Install Dispute Beast on your iPhone.
- 2
Analyze Your Credit
See what may be affecting your credit profile.
- 3
Find Negative Items
Review the items that may be holding your credit back.
- 4
Create Your Attack
Build your next credit attack inside the app.
- 5
Send Through Sprint Mail
Send your attack without handling the printing, postage, or mailing yourself.
- 6
Ask Your AI Coach
Get personalized advice and know what to do next.
Most People Know Their Credit Needs Work. They Just Don't Know What To Do Next.
You may know your credit is holding you back, but not know where to start, what to dispute, what to send, or what to do after your first round.
That confusion keeps people stuck. The Dispute Beast app gives you a clear next step from your phone.
Your Comeback
Your Credit Journey Needs a Next Step, Not More Confusion.
Credit can feel overwhelming when you do not know what changed, what matters, or what to attack next. Dispute Beast helps simplify the process so you can take action with more confidence.
See My Next Credit Move Ask Your AI Credit Coach What To Do Next.
Credit can feel overwhelming when you don't know what changed, what matters, or what to attack next.
Instead of guessing, use your private AI Credit Coach for personalized guidance based on your credit journey — ask questions, review your next steps, understand what changed, and know when it's time to take action again.
The Beast iOS App
Stop Guessing. Get a Clear Credit Plan.
Web Portal
AI-Powered Disputing 
Track 3-Bureau Vantage & FICO Scores 
Other Dispute Beast Features
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New iOS App
AI-Powered Disputing Track 3-Bureau Vantage & FICO Scores Other Dispute Beast Features 
Beast AI Credit Coach Credit IQ Action Plan
Real-time Push Notifications
Native 24/7 In-App Chat
Dedicated "Learn" Tab
Join Thousands Taking Their Next Credit Step.
Rate 4.8 by 3,960+ Users
Excellent
4.4 out of 5 · 1,861 Reviews
Join Thousands Taking Their Next Credit Step.
Rate 4.8 Stars by 3,960+ Users
Excellent
4.4 out of 5 · 1,861 Reviews
Dispute Beast was built to help everyday people stop feeling stuck, take action on negative items, and stay consistent on their credit journey.
Download Free on the App Store Better Credit Starts With the Next Action.
The home. The lower payment. The business funding. The approval. The confidence.
It does not start with waiting. It starts with opening the app and taking your next credit step.
iOS Widgets
See your credit right on your iPhone home screen
Add Dispute Beast Widgets to your home screen and glance at your score, cycle, coach, and next payment the moment you pick up your phone, no tapping in, no sign-in.
Cycle Tracker
Never miss an attack
See exactly how many days are left in your 40-day cycle until it's time to launch your next Beast attack
Beast AI Coach
Stay informed instantly
Get smart push notifications for score updates and required actions.
Payment Planner
Know what to pay, when
Part of your IQ Action Plan: see exactly how much to pay on each card. Tap to jump straight into the plan.
FAQs
Q1 Is the Dispute Beast iOS App Free?
Yes! Dispute Beast is 100% free - AI processing, letter generation, and all features inside the app cost $0. To use the AI features, you need to connect an active credit monitoring subscription so Dispute Beast can import your 3-bureau credit data.
Q2 Will checking my FICO® scores hurt my credit?
Absolutely not. Pro Credit Watch and Beast Credit Monitoring use soft credit pulls to access your scores, which have zero impact on your credit. You can check your scores as often as you'd like without any negative effects. This is different from hard inquiries that occur when you apply for credit.
Q3 How accurate are my FICO® scores?
The FICO® 8 scores are provided through Pro Credit Watch, and VantageScores through Beast Credit Monitoring. Both pull directly from the three major credit bureaus: Experian, Equifax, and TransUnion. Dispute Beast itself is the AI dispute engine that uses that data to generate your letters and power your attacks.
Q4 Why is my score different from other credit monitoring services?
The score you see depends on which monitoring service you are connected to. Pro Credit Watch provides FICO® 8 scores, the model used by 90% of top lenders. Beast Credit Monitoring provides your VantageScore. Dispute Beast is not a monitoring service. It is the AI engine that reads your credit data and builds your dispute strategy.
Q5 Can I use Dispute Beast if I'm just starting to build credit?
Absolutely. Dispute Beast is designed for everyone, whether you have no credit history, a low score, or are looking to maximize an already-good score. Our Beast AI Coach provides personalized guidance based on exactly where you are right now.
Rated 4.8 by 3,960+ Users
You Don't Need to Figure It Out Alone.
Download the Dispute Beast app and let your private AI Credit Coach help you analyze your credit, find negative items, create your attack, send your letters, and know what to do next.
All from your iPhone. All in less than five minutes.