Service · Credit Report Monitoring
Three-bureau monitoring — with credit repair built in.
Monitoring is what you pay for. Repair is what you get free with it. One monthly subscription covers three-bureau reporting, real-time alerts, identity-theft monitoring, and our full dispute service.
What's in the subscription
Everything you need to see, protect, and improve your credit.
- Full credit reports from Equifax, Experian, and TransUnion
- Three-bureau credit scores refreshed regularly
- Real-time alerts on new accounts, inquiries, and balance changes
- Identity-theft monitoring and alerts
- Dispute tracking dashboard
- Full credit repair / dispute service included
- AI-drafted dispute letters reviewed by a human consultant
- Direct access to a real Kansas City–based credit consultant
- No upfront repair fees (CROA compliant)
- Cancel anytime
Why it matters
You can't fix what you can't see.
Most people check their credit once, get shocked, and never look again. Monitoring changes the whole game — you see every change in real time, catch identity theft the day it happens, and watch dispute progress cycle over cycle. And because our repair work is bundled in, you don't have to bolt on a separate $99+/month service to actually act on what you're seeing.
Ready to fix what's on your credit report?
Free audit, no upfront fees for repair, and a real human in your corner. Credit repair is included free with your monitoring subscription.