Frequently asked questions

Our service is free — no signup fee, no per-item fee, no per-round fee. The only thing you pay for is the required MyFreeScoreNow credit-monitoring subscription ($1 7-day trial, then $29.95/mo, billed by MyFreeScoreNow), which we use to pull your three-bureau reports each round.

$1 for a 7-day trial, then $29.95/month at its then-current rate. It’s billed by MyFreeScoreNow, not by ScoreBoost, and you can cancel it with them anytime.

It gives us secure, ongoing access to your three-bureau reports so we can audit them and track what changes after each dispute round.

We audit all three bureau reports against the Metro 2® standard, then prepare, mail, and track disputes for anything inaccurate, unverifiable, or obsolete — on your behalf. You just watch the results in your portal. See how it works →

Bureaus generally have about 30 days to respond to each dispute, so a round runs roughly a month. Results vary by report — no one can promise a timeline or outcome.

No — and no one legally can. Accurate, current, and verifiable information cannot be removed. We dispute items that are inaccurate, unverifiable, or obsolete.

Three things at signup — create your portal account, start MyFreeScoreNow monitoring, and upload your ID documents. See Getting started. After that, we handle everything.

Yes. Federal law gives you 3 business days to cancel your signed agreement for any reason, penalty-free. After that you can stop anytime — since our service is free, there’s nothing to cancel out of, and you’d just end your MyFreeScoreNow subscription with them.

You have the right to dispute inaccurate information yourself, for free, and a set of protections under the Credit Repair Organizations Act. We give them to you in writing — read your Consumer Credit File Rights.

Absolutely — you can dispute anything on your report yourself, for free. We’re for people who’d rather have specialists handle the auditing, letters, mailing, and tracking.