About this site
In credit repair, the word free usually hides a subscription. A free tier that disputes with one bureau, a free tool that requires a paid monitoring plan underneath, a free consultation that becomes a monthly contract. This site was built to be the exception, and to say exactly what free means here.
What free means here
- Every tool works without payment, without an account, and without a credit card.
- All three bureaus are covered, not one.
- Nothing you type into a tool is sent to a server. The letters, the tracker, and the calculator run in your browser.
- There is no paid tier of the tools, and there is no plan to add one.
How it stays free
The site costs very little to run because it is static pages and browser tools. In the future it may carry clearly labeled advertising on guide pages, and clearly disclosed affiliate links at natural decision points, such as secured cards or credit monitoring for people who want ongoing reports after the free ones. Two rules govern any money this site ever makes. Affiliate links will always carry an FTC-style disclosure right next to them, and only products that genuinely help a person’s file will ever be placed. No predatory loans, no debt settlement funnels, and nothing the site would be embarrassed to explain line by line. At launch, the site carries no affiliate links and no advertising.
What this site is not
It is not a credit repair organization, a law firm, or a financial advisor. It never files, mails, or submits anything for you, it never asks for your Social Security number, and it never promises a score increase, a removal, or any other outcome. It is educational information, organized around your exact issue, checked against the text of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, with sources named on the pages that state deadlines and rights.