Frequently Asked Questions
Everything you need to know about our AI-powered credit dispute service
We're here to help you clean up your credit and get your score back where it should be! Score Fixers works by sending smart, customized disputes to credit bureaus and giving you advice every step of the way.
Yes, credit disputes are completely legal. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any information on your credit report that you believe is inaccurate or incomplete. Credit bureaus are required by law to investigate these disputes and correct any errors.
Our service helps you exercise your legal rights under the FCRA more effectively by providing professionally crafted dispute letters and guidance through the process.
After you sign up, we prepare customized dispute letters based on your reports and send them out every 30 days. We'll be working behind the scenes for three months straight to get you the best results possible.
Yes! We ask you to stick with us for at least three months. That gives us enough time to complete all your disputes and make real progress on your credit.
You'll see the pricing when you sign up — you can either pay all at once or do a monthly plan over the three months. Super simple!
- Customized dispute letters sent every 30 days
- Credit advice to help you grow your score even faster
- Progress tracking and support the whole way through
We're confident in our process. If you complete the program and don't see any credit improvement — and you meet all the requirements — we'll give you a full refund! Just make sure you stay on track with all your disputes and credit monitoring.
Make sure you:
- Complete all four rounds of disputes on time
- Keep your credit utilization under 6% by your third round
- Stay away from any new late payments or collections
- Have active credit monitoring the entire time
- Submit your claim within 15 days after the final 60-day waiting period
Most clients notice changes within 45 to 90 days after starting, but results can vary based on the credit bureaus and creditors.
We'll fight for you, but not everything is guaranteed to be removed. We focus on removing inaccurate or unverifiable items and getting your credit cleaned up the right way.
Easy — just sign up on our website! Once you're enrolled, we'll send you a quick checklist to get everything moving.
By law, credit bureaus have 30 days to investigate your dispute and respond. In practice, the entire process typically takes 30-45 days from when you send your dispute letters to when you receive a response.
Keep in mind that complex cases may require multiple rounds of correspondence, which can extend the timeline. Our service provides guidance throughout the entire process, no matter how long it takes.
Our AI technology analyzes thousands of successful dispute cases to create the most effective dispute letters for your specific situation. Unlike generic templates or basic services, our AI:
- Customizes every letter based on your specific negative items
- Uses legally precise language that compels credit bureaus to respond
- Cites relevant sections of the FCRA and other consumer protection laws
- Integrates your supporting documentation automatically
- Creates professional, well-formatted packages that look official
Our human experts then review every AI-generated package to ensure maximum effectiveness before delivery.
You can dispute any inaccurate information on your credit report, including:
- Late payments
- Collections accounts
- Charge-offs
- Foreclosures
- Bankruptcies
- Inquiries you didn't authorize
- Accounts that aren't yours (identity theft)
- Incorrect personal information
- Accounts with incorrect balances or credit limits
Remember, you should only dispute items that contain errors or cannot be verified. Our team can help you identify which items on your credit report may be good candidates for disputes.
Yes, to create your professional dispute packages, we need:
- A copy of your government-issued ID
- Proof of address (utility bill, bank statement, etc.)
- Information about the negative items you wish to dispute
For identity theft cases, we also create an FTC Identity Theft Report to include with your disputes, which significantly increases the likelihood of a successful outcome.
All documentation is handled securely through our encrypted system.
While we cannot guarantee specific credit score improvements or the removal of particular items (as this would violate credit repair regulations), our clients typically see positive results within 30-45 days of submitting their disputes.
The effectiveness of disputes depends on various factors, including:
- The accuracy of the information being disputed
- How well the creditor maintains records
- The specific credit bureau's verification process
- The quality and professionalism of your dispute letters
Our AI-powered system optimizes your disputes for the highest possible chance of success based on these factors.
Yes, we offer a 100% money-back guarantee if you're not completely satisfied with our service within 30 days of purchase. We are confident in our AI-powered dispute system and stand behind its quality.
Please note that our guarantee covers the quality of our service and dispute packages, not specific outcomes with the credit bureaus (as such guarantees would violate credit repair regulations).
If you're not satisfied, simply contact our customer support team within 30 days of your purchase for a full refund.
Credit dispute is often an iterative process. If your initial disputes are denied, our premium and complete plans include support for follow-up disputes with new strategies based on the bureau's response.
Our experts will review the credit bureau's response and help you determine the best next steps, which may include:
- Sending a more specific dispute with additional documentation
- Contacting the original creditor directly
- Filing a complaint with the CFPB if the bureau failed to properly investigate
- Adding a consumer statement to your credit report
We stay with you throughout the entire process until you achieve the best possible outcome.
Getting started with ScoreFixers is easy:
- Click the "Get Started" button on our homepage
- Select your preferred plan
- Complete the secure payment process
- Fill out our simple dispute form with information about the items you want to dispute
- Upload your ID and proof of address
- Our AI system will generate your custom dispute packages
- Our experts will review your case and provide guidance
- You'll receive professional dispute packages ready to send to all three credit bureaus
The entire process takes about 15-20 minutes to complete on your end.
To create your dispute packages, you'll need to provide:
- Your personal information (name, address, phone, email)
- Details about the negative items you want to dispute (creditor name, account number, reason for dispute)
- A copy of your government-issued ID (driver's license, passport, etc.)
- Proof of address (utility bill, bank statement, etc.)
For the most accurate results, it's helpful to have a recent copy of your credit reports from all three bureaus when filling out our form, but this is not required.
Yes, we take your privacy and security extremely seriously:
- All data is encrypted in transit and at rest using bank-level encryption
- We use secure payment processing that never stores your card details
- Your documents are stored in a secure, encrypted system
- We maintain strict access controls for all customer information
- We never share or sell your personal information to third parties
- Our systems undergo regular security audits and testing
We comply with all applicable privacy laws and regulations, including GDPR and CCPA. You can review our detailed Privacy Policy for more information.
Ready to improve your credit score?
Start your journey to better credit today with ScoreFixers!