Connect your required credit monitoring, choose your monthly plan, and send dispute packets with AI-powered guidance and built-in mailing.
This platform requires an active credit monitoring account through MyScoreIQ at $24.95/month, billed separately. This charge is not included in your software subscription.
Best for people starting their first dispute round.
Supported report source: MyScoreIQ, billed separately by MyScoreIQ. Included packets: based on your selected software plan. Not charged per dispute item.
Best for customers actively working multiple rounds.
Supported report source: MyScoreIQ, billed separately by MyScoreIQ. Included packets: based on your selected software plan. Not charged per dispute item.
Best for customers who want the highest monthly capacity.
Supported report source: MyScoreIQ, billed separately by MyScoreIQ. Included packets: based on your selected software plan. Not charged per dispute item.
A packet is one dispute submission round for the billing period.
Each packet can include:
You are not charged per item.
If you challenge many items in one round, they are grouped into your packet submission for that cycle.
Packet usage is based on one dispute round submitted through the platform. The number of letters generated may vary depending on the bureaus involved and the contents of your report.
A packet is one dispute submission round. It may include multiple challenged items and may generate one or more bureau letters depending on which bureaus are involved.
No. Multiple disputed items are grouped into one packet submission round. You are charged per packet, not per tradeline.
MyScoreIQ provides your 3-bureau credit report and monitoring. It is a separate service billed at $24.95/month directly by MyScoreIQ, not by us.
Yes. An active MyScoreIQ membership is required so the platform can analyze your credit report data.
Extra packets after your monthly included amount are $19.95 each. You'll see the charge clearly before confirming.
Yes. A packet groups all your selected items for that dispute round. Multiple accounts, multiple reasons, multiple bureau letters — all in one packet.
Yes. The platform generates bureau-specific certified mail letters as part of each packet. The number of letters depends on which bureaus are involved.
DisputeIQ is a software platform that helps users organize, prepare, and track dispute activity. We do not guarantee any specific credit score increase or deletion outcome.
MyScoreIQ membership is the supported report source for DisputeIQ and is billed separately by MyScoreIQ. This charge is not included in your DisputeIQ subscription.
Included packet limits apply per billing cycle. A packet is one dispute submission round and may include multiple challenged items and one or more bureau letters depending on the report contents.
Results vary based on bureau responses, furnisher investigations, documentation, and report history.
Compliance at a glance
FCRA 15 U.S.C. §1681 · CFPB-informed · Per-tenant isolated data
You direct every action. DisputeIQ prepares packets, sends them on your written authorization, and tracks the response — you remain in control.
DisputeIQ is not a credit repair organization, law firm, or credit bureau. We do not negotiate with creditors or furnishers on your behalf.
Results depend on the accuracy of your reports and the response of each bureau or furnisher. Anyone promising a specific score lift is not telling you the truth.
You have the right to dispute inaccuracies yourself, for free, directly with the credit bureaus. DisputeIQ is a tool that helps you exercise that right with more structure, better documentation, and a clearer audit trail.