Better credit, done for you.
Start with a free credit analysis. Then Dispute Beast's AI finds the errors, writes your disputes and tracks your real FICO® scores for you. No experience needed.
- 100% free
- Won't affect your score
- Takes about 3 minutes
Dispute Beast shows real FICO® scores and is backed by a 110% money-back guarantee. See terms
How long can collectors sue you?
Pick your state to see its statute of limitations on debt.
For information only, not legal advice. Laws change, so confirm with your state or an attorney.
Full guide & all 50 statesWe do the hard part for you
You don't need to know anything about credit. Dispute Beast handles the work for you.
Get your free credit analysis
See your score and what's holding your credit back. It's free, takes about 3 minutes and won't affect your score.
Dispute Beast handles your disputes
Its AI checks every account against Metro 2 reporting standards, then disputes the errors it finds for you.
Track your real FICO® scores
See the scores lenders use and every change as it happens, with your next round lined up for you.
Free · Won't affect your score · Takes 3 minutes
Dispute Beast shows real FICO® scores and is backed by a 110% money-back guarantee. See terms
No stone left unturned
Other credit repair software sends the same generic letters to the three big bureaus. Dispute Beast is the only one that does all four of these.
Metro 2 compliance checks
Every account is checked against Metro 2, the reporting standard creditors and the credit bureaus use for your credit data. Errors are found by the same rules they're held to.
12 credit reporting agencies
Disputes go to 12 credit reporting agencies, not just Experian, Equifax and TransUnion, so errors don't survive in the agencies everyone else skips.
Creditors at the same time
Dispute Beast challenges the creditors reporting the errors too, all at once, instead of one bureau at a time.
Real FICO® scores
The only credit repair software that shows you FICO® scores, the scores lenders actually use, so you track the number that matters when you apply. Included with Pro Credit Watch.
guarantee
The only 110% money-back guarantee in credit repair
Dispute Beast is backed by a 110% money-back guarantee. See terms
Everything you need in one platform
AI dispute letters
Personalized letters that challenge inaccuracies — AI handles the details so you don't have to.
3-bureau credit reports
Experian, Equifax and TransUnion side by side, with clear, easy-to-read insights.
Real-time monitoring
Get alerts when something changes on your reports so nothing slips by.
FICO® score tracking
Track the FICO® scores lenders use and see how your score moves over time.
Step-by-step guidance
A clear, guided process that tells you exactly what happens next — perfect if you're starting from zero.
Ready to start?
Sign up and get the full Dispute Beast toolkit with real FICO® scores, backed by a 110% money-back guarantee (see terms).
Free credit education from Mike
Straight talk on credit cards, scores, disputes and the banking news that affects your wallet.
Quick tips in under 60 seconds
Credit shouldn't be a mystery
For over a decade, Mike has helped people across the country take control of their financial future. The mission is simple: take the confusion and the work out of fixing credit, so everyday people get results without needing to become credit experts.
“You don't need to pay someone thousands to fix your credit. You need the right tools and someone to show you how.”
That's why Mike built Dispute Beast to do the heavy lifting, and pairs it with free, no-nonsense education on YouTube, TikTok, Instagram and Facebook.
Dispute Beast shows real FICO® scores and is backed by a 110% money-back guarantee. See terms
Common questions
Is the credit analysis really free?
Yes. It's free to start, no credit card is required and there's no commitment. Checking your analysis won't affect your credit score, and it takes about 3 minutes.
Is disputing errors on my credit report legal?
Yes. Under the Fair Credit Reporting Act you have the right to dispute inaccurate, incomplete or unverifiable information with the credit bureaus. Dispute Beast handles that process for you so it's faster and more organized.
What does Dispute Beast do?
It's an AI-powered platform that pulls your 3-bureau credit reports, checks every account against Metro 2 reporting standards, and disputes errors with 12 credit reporting agencies and your creditors at the same time. It's also the only credit repair software that shows you FICO® scores, the scores lenders use, so you can track your progress where it counts.
Is there a guarantee?
Yes. Dispute Beast is backed by a 110% money-back guarantee. See terms
How long does it take to see results?
Credit bureaus generally have about 30 days to investigate a dispute, so many people work in monthly rounds. Every situation is different and results aren't guaranteed.
Can accurate negative items be removed?
No one can legally remove accurate, timely information. Disputes are for errors, outdated items and information that can't be verified. Be wary of anyone promising otherwise.
Where can I learn more for free?
Mike posts new credit tips every day on YouTube, TikTok, Instagram and Facebook. Subscribe on YouTube to catch the full breakdowns.
Your credit comeback starts today
Start with a free credit analysis to see what's holding your score back, then follow along for daily tips.
Dispute Beast shows real FICO® scores and is backed by a 110% money-back guarantee. See terms