Free to start. $29 when you need everything.
No setup fee, no fee tied to any outcome, no long contract. Start on Free and move to Pro only if the tracker earns its keep.
Free
$0 / month
- 3 dispute letters per calendar month (counter resets monthly)
- Basic dispute tracker: sent date, days, status
- All 3 bureaus and all 3 dispute types
- Print and copy your letters
- Access to the 5 free letters library
Free forever. When the 3-letter quota is used, you will see an upgrade notice instead of a new letter.
Letter Kit
$29 one-time
- All 9 FCRA §1681i letter templates as a printable PDF (3 bureaus × 3 dispute types)
- 30-day deadline tracker sheet with escalation rules
- Proof-of-delivery checklist (certified mail, green card, what to keep)
- What to write when the bureau says "verified"
Not included: we never file anything for you, and we cannot remove anything from your report.
Get the Letter Kit — $29One price, once. No subscription, no percentage of a debt, no fee tied to an outcome — see terms & disclosures.
Free vs Pro, line by line
| Feature | Free | Pro — $29/mo |
|---|---|---|
| Generated letters | 3 per calendar month | Unlimited |
| Letter variants & bureaus | All 3 × 3 | All 3 × 3 |
| Deadline tracker | Basic: sent date, days, status | Full: next action, escalation flags |
| Document vault | — | Coming soon |
| Medical-debt module | — | Included |
| Escalation playbooks | — | Coming soon |
| Cancel anytime | n/a | Yes |
| Refund | n/a | 3-day refund on request |
| Price | $0 | $29 per month, flat |
How this compares
We charge a flat subscription and never tie the price to what happens on your report.
Cancel anytime, refund in 3 days
When billing starts
Billing starts when you activate Pro. Nothing is charged before that, and there is no setup or setup-related fee.
How to cancel
Cancel anytime from your Stripe billing portal or by replying to your receipt. Your plan stays active until the end of the paid period.
Refund
If Pro is not what you expected, ask within 3 days of a charge and we will refund it. No forms, no phone call required.
Before you pay
Can I stay on Free forever?
Yes. The free tier is not a trial: 3 letters every calendar month plus the basic tracker, with no time limit.
Is the $29 flat?
Yes. One price for every Pro feature. No setup fee, no percentage of a debt, no charge that depends on an outcome.
Does my data move to you when I pay?
No. Letters, documents and tracker rows stay in your browser either way. Paying unlocks features; it does not upload anything.
What happens after I pay?
You get an email with the download link for the printable Letter Kit PDF. Nothing is filed on your behalf and nothing is removed from your report — you mail the letters yourself.