Repair Your Credit.
Rebuild Your Future.
A modern platform that helps you organize your credit journey, review negative items, track dispute activity, and move forward with more clarity.
6,847
Disputes Won
+127
Avg. Score Gain
4,200+
Active Users
Everything You Need to Succeed
Powerful tools designed for credit repair professionals and individuals
AI Credit Analysis
Intelligent detection of disputable items on credit reports
Auto Letter Generation
Custom dispute letters generated for rounds 1-5
Client Management
Manage unlimited clients with real-time tracking
Secure & Compliant
FCRA compliant with bank-level security
Progress Tracking
Real-time monitoring of credit score improvements
24/7 Support
Live chat and email support whenever you need it
How It Works
Get started in 4 simple steps
Upload Report
Add your credit report or client reports
AI Analysis
Our AI identifies disputable items
Generate Letters
Automated dispute letters created
Track Progress
Monitor responses from bureaus
A Simpler Way to Take Control of Your Credit
Four clear steps — from confusion to confidence
Upload Your Report
Securely import your credit report from any of the three major bureaus — Equifax, Experian, or TransUnion. Your data is encrypted the moment it enters the platform. You can pull your report for free once a week at annualcreditreport.com.
Identify Negative Items
Our system scans your report and flags accounts, hard inquiries, late payments, and collections that may be inaccurate, outdated, or legally disputable under the FCRA.
Launch Disputes
Generate structured, bureau-specific dispute letters in minutes. Each letter is tailored to the item being challenged and cites the correct legal basis for removal.
Track Progress
Monitor bureau responses, score movement, and remaining action items from your personal dashboard. Get notified the moment something changes on your report.
Most clients see their first results within 30 days
Start Your Free AssessmentFrom Credit Stress to Financial Progress
See the transformation our clients experience
Before
- ✗Denied applications
- ✗Higher interest rates
- ✗Confusing credit reports
- ✗Stress from collection accounts
- ✗No clear credit strategy
After
- ✓Clear dispute roadmap
- ✓Better understanding of next steps
- ✓Improved profile visibility
- ✓Credit approvals and business funding
- ✓More confidence moving forward
Why Clients Trust Our Platform
Built with security, transparency, and results in mind
Guided Credit Repair Workflow
No guesswork, ever.
Every step of your credit repair journey is mapped out for you. From your first dispute letter to your final bureau response, the platform walks you through exactly what to do next — so you never feel lost or overwhelmed in the process.
Secure Document Uploads
Your data stays yours.
Upload credit reports, bank statements, and identity documents with confidence. All files are protected with 256-bit AES encryption in transit and at rest, stored in a FCRA-compliant vault that only you can access.
Progress Tracking Dashboard
See every win in real time.
Your personal dashboard shows your credit score trend over time, the status of every active dispute, documents on file, and your next recommended action steps — all in a single, clean view that updates automatically.
Automated Updates & Notifications
Stay ahead of every change.
The moment a bureau responds to a dispute, your score shifts, or a new action item is ready, you receive an instant notification. No more checking manually or missing critical 30-day response windows.
Stories From People Who Took Action
Real results from real clients
“I came in with a 541 score, two collections, and four hard inquiries I didn't even recognize. Within 90 days, all four inquiries were removed and one collection was deleted. My score hit 668 and I finally got approved for the car loan I'd been turned down for twice. I honestly didn't think it was possible this fast.”
Darnell T.
Warehouse Supervisor
Atlanta, GA
✓ Car loan approved
“I started an LLC and had zero business credit. Within six months of following the platform's funding roadmap, I had three vendor accounts, two business credit cards, and a $25,000 line of credit from my bank. The step-by-step process made something that felt impossible feel completely manageable.”
Keisha R.
Small Business Owner
Houston, TX
✓ Business funding secured
“After my divorce, my credit was a mess — a judgment, two late payments, and a medical collection. The dispute workflow helped me challenge all three. The judgment was removed, one late payment was cleared as a goodwill deletion, and the collection was settled and removed. I went from 498 to 631 in under five months.”
Patricia M.
Registered Nurse
Phoenix, AZ
✓ 3 negative items removed
See How We Stack Up
Creditrack vs. the competition — feature by feature
| ★ Most Popular | ||||
| Feature |  Creditrackfrom $49/moBest Value | CRC Credit Repair Cloudfrom $179/mo | DV Dovlyfrom $39.99/mo | DB DisputeBeefrom $49/mo |
|---|---|---|---|---|
All 3 Bureau Disputes Dispute items with Equifax, Experian, and TransUnion | ✓ | ✓ | ✗TransUnion only on free plan | ✓ |
AI-Powered Item Detection Automatically identifies disputable items on your report | ✓ | ✗Manual review required | ✓ | ✗Manual selection |
Guided Dispute Workflow Step-by-step process from upload to resolution | ✓ | ✓ | ✗Automated only, no guidance | ✓ |
Secure Document Uploads Upload and store credit reports and supporting documents | ✓ | ✓ | ✗Not available | ✓ |
Credit Score Trend Dashboard Visual chart of your score over time | ✓ | ✗Business dashboard only | ✓ | ✗No built-in tracking |
Daily Action Steps Personalized daily tasks to keep improving your credit | ✓ | ✗Not available | ✗Not available | ✗Not available |
Free Credit Assessment Tool Personalized action plan from a 5-question quiz | ✓ | ✗Not available | ✗Not available | ✗Not available |
Referral / Affiliate Program Earn rewards for referring new clients | ✓ | ✓ | ✗Not available | ✗Not available |
Business Funding Roadmap Guidance for building business credit and securing funding | ✓ | ✗Not available | ✗Not available | ✗Not available |
Real-Time Notifications Instant alerts when disputes are updated or scores change | ✓ | ✓ | ✓ | ✗Email only, delayed |
Client Portal Access Dedicated portal for clients to view their own progress | ✓ | ✓ | ✗Consumer app only | ✗No client portal |
Personal Funding Roadmap Step-by-step guide to building business credit and securing capital after repairing personal credit | ✓ | ✗Not available | ✗Not available | ✗Not available |
AI Score Impact Simulator Simulate how specific actions (paying off a card, removing a collection) would impact your credit score before you take them | ✓ | ✗Not available | ✗Not available | ✗Not available |
Free Plan Available Start with no credit card required — free tier with full platform access to explore the product | ✓ | ✗No free plan — paid only | ✗Limited free trial only | ✗No free plan — paid only |
Full White-Label Platform Replace all branding with your own logo, colors, domain, and company name — your clients never see our brand | ✓ | ✗Partial branding only | ✗Not available | ✗Not available |
Mobile Responsive Fully usable on phones and tablets | ✓ | ✓ | ✓ | ✓ |
| Starting Price | $0 FreePaid from $49 / moView all 6 plans → | $179 / mo | $39.99 / mo | $49 / mo |
Feature data based on publicly available information as of 2025. Competitor features may vary by plan tier. Creditrack features reflect the full platform.
Your Report, Analyzed in Seconds
Most people stare at their credit report for hours and still miss what's hurting them. Our AI reads it for you — instantly flagging the accounts, inquiries, and errors most likely to be challenged and removed.
You don't need to know credit law. You don't need to know what to look for. Upload your report and within moments you'll see a clear list of items worth disputing, ranked by potential impact on your score.
No guesswork
Every flagged item comes with a plain-English explanation
Instant results
Analysis completes in seconds, not days
Click any item below to see how the AI categorizes it ↓
Your Funding Roadmap
Repair Personal Credit
Get your score above 700
Set Up Your Business
LLC, EIN, business address
Build Business Credit
Net-30 accounts & trade lines
Apply for Funding
Cards, credit lines & SBA loans
Scale & Reinvest
$50K–$150K+ in capital
From Better Credit to Real Capital
Good personal credit is just the starting point. Once your profile is clean, the next step is building the kind of business foundation that lenders actually want to fund.
Our platform walks you through a simple five-step roadmap — from repairing your personal credit, to setting up a fundable business, to applying for the credit lines and capital that can help you grow. No financial background required.
$50K–$150K
Average funding goal
5 Steps
Clear, guided process
6–12 mo
Typical timeline
No Guesswork
Roadmap built in
Free 5-step guide — no email required. Covers everything from credit repair to $150K in capital.
Frequently Asked Questions
Everything you need to know
How does the process work?
Upload your credit report, our AI identifies disputable items, we generate dispute letters, and you track progress through your dashboard.
How long does credit repair take?
Most clients see improvements within 30-90 days. Significant transformations typically occur within 6-12 months depending on your situation.
What do I need to get started?
Just your credit report (free from AnnualCreditReport.com) and about 10 minutes to upload and answer our assessment questions.
Can I track everything online?
Yes! Your dashboard shows real-time updates on disputes, credit score changes, and recommended next steps all in one place.
Is my information secure?
Absolutely. We use bank-level encryption (256-bit SSL) and comply with all FCRA and data protection regulations.
Learn Before You Dispute
Expert guides, templates, and frameworks to help you understand the credit repair process and take action with confidence.
FCRA Dispute Letter Templates
Ready-to-use dispute letters for bureaus, creditors, debt validation, goodwill requests, and CFPB complaints — with instructions for each.
The Funding Ladder Framework
A six-level progression from personal credit repair to $50K–$150K in business capital. Understand each rung before you climb.
Credit Repair Glossary
Every term you need to know — from FCRA and FDCPA to charge-offs, tradelines, utilization, and bureau investigation timelines.
Business Credit Building Guide
Step-by-step guide to establishing business credit, separating personal and business profiles, and building a fundable entity.
EIN Application Walkthrough
How to apply for your Employer Identification Number, avoid common mistakes, and use it to open business accounts and build credit.
Business Account Setup Checklist
Everything you need to open a business bank account that lenders trust — from entity formation to the 90-day deposit seasoning strategy.
Start Taking Control of Your Credit Today
Create your account, upload your report, and begin your first steps toward a stronger financial future.
Ready to Transform Your Credit?
Start your free assessment and get a personalized action plan in minutes.
Built by People Who've Been There
Creditrack was founded by a team of credit professionals, fintech engineers, and consumer advocates who believe everyone deserves a fair shot at financial freedom.
Our Mission
To give every American the tools, knowledge, and workflow to dispute inaccurate credit items, build positive history, and access the funding they deserve — without paying thousands to a credit repair company.
Our Approach
We combine FCRA consumer protection law, AI-powered dispute intelligence, and a structured workflow system so clients know exactly what to do, when to do it, and why it works.
Our Commitment
Transparent pricing, no hidden fees, and no promises we can't keep. We show you the process, give you the tools, and support you every step of the way — whether you're fixing your own credit or running an agency.
12,400+
Active Members
94%
Dispute Success Rate
+127
Avg. Score Increase
6 mo
Avg. Time to Goal