Upload your report
Get your free reports at AnnualCreditReport.com and upload the PDFs.
Do-it-yourself credit repair, made easy
Fix the mistakes on your credit report.
Upload your report. We find what looks wrong, write your dispute letters, and mail them for you. No credit repair company. No contracts.
Free to sign up. Takes about 10 minutes.
Results are not guaranteed. Accurate and timely negative information may remain.
Four steps. We do the hard parts.
We find what looks wrong
AI reads every account and flags items that look inaccurate, outdated, or unverifiable.
We write your letters
A ready-to-send dispute letter for each item, already in the right order.
We mail them and keep track
One click and we print and mail it. We remind you when replies are due.
Why pay a credit repair company?
You have the legal right to dispute errors yourself. We just make it easy.
| Question | Typical credit repair company | Ascend AI |
|---|---|---|
| Cost | Often $80–$150 a month, plus setup fees | $49 once, or $34.99/mo |
| Can you see your letters? | Usually not | Always — every word |
| Who's in control? | They are | You are |
| Contracts | Many charge as long as you stay | Cancel anytime from your account |
| Mailing | Sometimes extra | Free to mail yourself, or one click with the subscription |
Simple pricing
Pay once
Report check
$49 one time
- We check every account on your report
- A dispute letter for each item worth disputing
- Mail them yourself or file online — free
Most popular
Everything, handled
$34.99 / month
or $299 / year
- Everything in the report check
- “Mail it for me” — we print and mail every letter
- New checks whenever your report changes
- Reminders when replies are due, and what to do next
- Circle Boost — add good history from people you trust
- Cancel anytime
Results are not guaranteed. Accurate and timely negative information may remain.
Questions
How does it work?
Upload your credit report. We read every account and flag anything that looks wrong, outdated, or can't be verified. Then we write a dispute letter for each one, in the right order. You can mail them yourself for free, or we print and mail them for you.
Can you promise my score will go up?
No — and you should be careful with anyone who does. The law lets you dispute items that are inaccurate, incomplete, or can't be verified, and the bureaus have to look into them. Correct negative information can stay. We help you find what's worth disputing and send it the right way.
Where do I get my credit report?
AnnualCreditReport.com — it's the official free site. You can get reports from Experian, Equifax, and TransUnion. Save each one as a PDF and upload it.
Do I have to mail the letters myself?
Your choice. Download the letter and mail it yourself for free, file it online with the bureau, or click "Mail it for me" and we print and send it (included with the subscription). Nothing is ever sent without your OK.
How long does it take?
Getting started takes about 10 minutes. After you send a letter, the bureaus usually have about 30 days to respond. We remind you when replies are due and tell you what to do next.
Is this a credit repair company?
No. It's software that helps you dispute on your own — you stay in control and every letter comes from you. It's educational help, not legal advice.
What happens to my data?
We only use your reports to check them and write your letters. You can delete your account any time from your Account page.