DisputeIQ is the executive-grade credit action platform. Turn a real 3-bureau report into a disciplined workflow of disputes, certified mailings, fraud blocks, and CFPB escalations — with audit-grade trust in every step.
You may dispute inaccuracies on your credit report yourself, for free, directly with the credit bureaus. This platform is a software and workflow tool that helps you organize, prepare, and track your own actions. We do not guarantee removals or score changes.
DisputeIQ · Command Center
Identified
11
3 high
Challenged
4
in flight
Escalations
1
605B
Capital One tradeline shows a $118 balance mismatch between Equifax and Experian. Strongest next action: factual dispute.
Activity timeline
Built to the standard of
Start here
You can't challenge what you can't see. Every DisputeIQ workflow begins with a live 3-bureau report pulled through our Screwed Up Credit intake partner, MyFreeScoreNow.
Step 01 · Report intake
MyFreeScoreNow delivers live Experian, Equifax, and TransUnion data so DisputeIQ can run its cross-bureau analysis the moment your file lands.
MyFreeScoreNow enrollment is provided by our ecosystem partner under the Screwed Up Credit umbrella. DisputeIQ does not sell credit monitoring.
The three-step intake
Get your report
Enroll through MyFreeScoreNow and pull your live 3-bureau file.
Return to DisputeIQ
Come back to disputeiq.org to open your command center.
Upload & analyze
Upload your report. AI cross-bureau analysis surfaces actionable findings.
The DisputeIQ method
DisputeIQ is not a report viewer. It's a credit action platform — designed to turn your file into disciplined, documented, verifiable steps.
01 · Identify
Cross-bureau diffs flag balance, status, date, and ownership inconsistencies — ranked by severity and explained in plain English.
02 · Challenge
Server-side document generation drafts factual disputes from the real report — no fabricated claims, no boilerplate.
03 · Track
USPS certified mail with electronic return receipts. Delivery scans and bureau responses sync into your timeline.
04 · Escalate
Section 605B fraud blocks and CFPB complaint drafts are built-in for cases that demand escalation, not another soft letter.
Security & trust
DisputeIQ is engineered like a financial institution handles its own operations: encrypted at rest, isolated by tenant, logged immutably, never sold or shared with third parties.
AES-256
Encryption at rest
TLS 1.3
Transport security
SOC 2
Controls aligned
Zero
Data brokers
The workflow
No black box. No surprises. You confirm every step that leaves the platform.
Drop your tri-merge PDF. Encrypted on upload and stored in an isolated vault keyed to you alone.
Cross-bureau diffing surfaces balance, status, date, and ownership inconsistencies — ranked by severity.
Factual dispute documents are drafted server-side and held until your review. Nothing auto-sends.
Print and mail yourself, or dispatch through our USPS certified mail integration with return receipts.
605B fraud blocks and CFPB drafts are ready the moment a standard dispute isn't enough.
DisputeIQ AI
Ask anything about your file. Understand the findings. Draft letters from real report facts. Escalate with confidence.
DisputeIQ AI
Online · reading your file
Reads your report
Pulls real facts from your tri-merge so every recommendation is grounded in the file.
Drafts letters from facts
Factual dispute language built from the actual tradelines — no boilerplate, no invented claims.
Recommends the next action
Standard dispute, 605B fraud block, or CFPB escalation — ranked by impact and evidence.
Identifies missing documents
Knows what evidence each escalation type requires before you send.
Summarizes tracking events
Plain-English status updates on certified mail, bureau responses, and deadlines.
About our ecosystem
Screwed Up Credit is the parent ecosystem for our credit operations tooling. DisputeIQ is the executive-grade action platform. MyFreeScoreNow is the partner product we use for live 3-bureau report intake.
When you enroll through MyFreeScoreNow on our homepage, you're starting the Screwed Up Credit customer journey that ends in your DisputeIQ command center.
DisputeIQ
Credit action platform
Identify, challenge, track, escalate — your primary workspace.
MyFreeScoreNow
Report intake partner
Live 3-bureau report pulls used by the Screwed Up Credit journey.
Screwed Up Credit
Parent ecosystem
The umbrella brand that ties the customer journey together.
Voices
Early members describing the shift from confusion to control.
I finally understand my own credit file. The cross-bureau view surfaced three errors I'd been staring at for a year.
Marcus R.
Small business owner
The certified mail tracking alone is worth it. I stopped worrying about whether letters arrived.
Danielle P.
Mortgage applicant
Every other tool felt like a black box. DisputeIQ shows its work — that's why I trust it.
Omar K.
CPA, independent
Quotes from DisputeIQ users. We do not advertise specific score increases — credit results vary by case and the FTC discourages "before/after score" claims for credit services.
"I'd been arguing with one of the bureaus for nine months on my own. DisputeIQ drafted the letter, sent it certified, and I had a deletion notice in 26 days."
"What sold me was that it pulled my actual report and told me what was wrong before I paid anything. No guesswork, no salesperson."
"I send maybe one letter a month. The audit log alone is worth it — I have proof of every step in case I ever need to escalate."
We'll email you the next steps for your situation. No spam — ever.
Simple pricing
Connect your required credit monitoring, choose your monthly plan, and send dispute packets with AI-powered guidance and built-in mailing.
$69/mo
Starter
1 packet/mo · AI drafting · certified mail
$99/mo
Pro
3 packets/mo · AI drafting · certified mail
$129/mo
Elite
5 packets/mo · AI drafting · certified mail
Extra packets $19.95 each · MyFreeScoreIQ $24.95/mo billed separately · Not charged per item
See plans and packet limits →A Screwed Up Credit company
Start by pulling your live 3-bureau report. Return to DisputeIQ to turn it into action.