Your Credit Score Is Costing You Up To $300,000. Here's How to Fight Back for $39.
Upload your credit report and our AI instantly identifies every negative item you can legally dispute — free to start, no credit card required.
Free
to start
$39/mo
for full access
110%
money-back
Real Result · Beta User
Jessica M.
Chicago, IL · 63 days
Outcome
4 items removed
Starting point
- Score: 542 (TransUnion)
- 2 medical collections
- 1 cell phone collection
- 3 late payments
What she did
- Uploaded reports manually
- Selected 6 items to dispute
- Sent letters: Feb 3, Mar 10, Apr 7
- Used free plan only
63-day result
User-selected disputes. Results vary by file and bureau. We help you dispute items you believe are inaccurate or unverifiable.
BBB Accredited
Accreditation Pending
256-Bit SSL
Bank-Level Encryption
FCRA Compliant
Federal Law Protected
110% Money-Back
90-Day Guarantee
2,000+
Dispute Letters Generated
500+
Families Helped
1,200+
Negative Items Disputed
We are not a law firm. We provide software to help you dispute inaccurate items on your credit report under the FCRA.
Why Pay 25x More for Worse Results?
Traditional companies use form letters. Bureaus auto-reject them. Our AI generates unique variations every time.
Save $2,883 for the same 90 days
That's 95% cheaper — with better results
Thomas R.
Houston, TX
Beta User Result$675
saved
Lexington
$792
Top Score
$117
Removed
7 items
"Lexington Law had me on a $99/month plan for 8 months ($792) and removed 2 items. I tried Top Score for 3 months ($117) and removed 7 items. The difference is night and day."
Ark Pizarro
Founder, Top Score
A few years ago, a family illness hit us hard. The medical bills came fast, and keeping up with credit payments wasn't the priority — getting through it was. By the time things stabilized, the damage to my credit was done.
The illness passed. The collections and late payments didn't. With a full-time job and a family to raise, I didn't have months to spend researching dispute laws or writing letters from scratch. The credit repair companies wanted $1,500 or more and gave me no visibility into what they were actually doing.
So I built my own tool. Something that knew the laws, generated the right letters, tracked the deadlines, and walked me through the whole process step by step. That's where Top Score came from.
Our mission is simple: make credit repair accessible to everyone. Not just people who can afford an attorney or a $1,500 service — everyone.
90-Day 110% Money-Back Guarantee
Follow our system for 90 days. If you don't see results, we refund 110% of what you paid.
How the Guarantee Works
Sign up for paid plan
$39/month or $390/year. You can cancel anytime, but guarantee requires 90 days.
Follow the system for 90 days
Send at least 3 dispute letters via certified mail using our platform. Track responses and escalate as needed.
If zero items are removed
After 90 days, if no negative items were removed, email us proof. We refund 110% within 7 business days.
You literally make money if it doesn't work. Zero risk, all upside.
Guarantee Requirements
- Must use paid plan: $39/month or $390/year for 90 days minimum
- Must send 3+ letters: Via certified mail using our generated dispute letters
- Must provide proof: Before/after credit reports showing zero items removed
- Refund processed: 110% refund within 7 business days to original payment method
"Worst case I make money for trying. Best case my credit gets fixed."
Ended up removing 4 collections and gaining 112 points in 63 days.
Sarah L. — Phoenix, AZ
Beta User Result+112 pts
Is This Right for You?
This works best for specific situations. Here's how to know if it's a good fit for you.
You're a Good Fit If...
- You have collections, charge-offs, or late payments on your report
- You believe some negative items are inaccurate or unverifiable
- You have medical bills, cell phone bills, or utility collections
- You have items older than 7 years that haven't fallen off
- You want to dispute items but need help with the letters and tracking
- You're willing to send certified mail and wait 30-45 days for results
Not a Good Fit If...
- Your credit report is already clean (no negative items)
- All your negative items are accurate and fully documented
- You want guaranteed score increases (we can't promise that)
- You're looking for a way to avoid paying valid debts
- You need results in less than 30 days (bureaus need time to investigate)
- You want us to remove accurate, verifiable items (that's illegal)
We'll be honest with you upfront
After you upload your reports, our AI will analyze your file. If there's nothing disputable, we'll tell you immediately and suggest credit-building strategies instead. We'd rather lose a sale than waste your time on disputes that won't help.
The True Cost of Bad Credit
Bad credit doesn't just affect your score—it costs you real money every day of your life.
$89,000
Higher Mortgage Rates
Extra interest over 30-year mortgage
$24,000
Higher Car Loan Rates
Extra interest across multiple vehicles
$38,000
Higher Insurance Premiums
Auto and home insurance surcharges
$150,000+
Lost Opportunities
Denied loans, rentals, jobs, and more
30-Year Lifetime Cost
~$300,000
The true price of living with bad credit
Return on Credit Repair
150-300x
$1-2K investment → $300K lifetime savings
Every day you wait costs you money. Start repairing your credit today.
Brandon W.
Nashville, TN
Beta User Result$67K
saved
Before
620
After
728
Time
4 mo
"My mortgage broker told me the difference between a 620 and a 720 score would cost me $67,000 over 30 years. That's when I got serious. Fixed my credit in 4 months, refinanced, and saved myself a fortune."
How It Actually Works
From upload to deletion in 4 simple steps. Try steps 1-2 free—no credit card required.
Upload Reports
FREE
AI Scans File
FREE
Get Letters
FREE / PAID
Track Results
PAID
Upload Your Credit Reports
Download your free reports from AnnualCreditReport.com and upload them. Our AI extracts every negative item automatically—no manual data entry.
AI Generates Your First Letter
Select which items to dispute. Our AI personalizes a unique FCRA-compliant validation letter with your info, account details, and legal citations. Download and mail it.
Continue with Unlimited Access
After your first letter, unlock unlimited dispute letters, credit monitoring, deadline tracking, and our proven 90-day system for $39/month. Cancel anytime.
Track Results & Escalate
Log bureau responses. If items aren't deleted, our system auto-generates escalation letters (5 levels) with stronger legal language and FDCPA violation tracking.
Choose Your Speed
Start free or skip the line with full access
Perfect for trying it out
$0 setup fee
Upload reports manually
We generate your first dispute letter free
You download and mail it yourself
Basic tracking
or $390/year (save 2 months)
$0 setup fee • Cancel anytime
Credit monitoring + auto score pulls
See all 3 bureau scores in minutes
Custom plan generated immediately
Ongoing letters + tracking + reminders
Mail letters in one click (skip the post office)
30-day risk-free guarantee
Both plans: Cancel anytime • Secure upload • You're in control
What's Included in Each Plan
Marcus K.
Atlanta, GA
Beta User Result+80
points gained
Before
598
After
678
Removed
1 item
"I was skeptical about the free trial but figured I had nothing to lose. The first letter got my medical collection removed (had it for 3 years). Instantly paid for the full version. Worth every penny."
Why Disputes Often Work
Under the FCRA, creditors must prove accuracy. When they can't validate, they must remove or correct the item.
Success Rates by Account Type
Why Disputes Work
Under the Fair Credit Reporting Act (FCRA), creditors must prove the accuracy of reported information. If they can't validate the debt within 30 days, they must delete it.
70%
of debts cannot be properly validated and must be deleted
What We Request in Validation
- Original signed contract with your signature
- Complete itemized payment history
- Proof of chain of ownership
- License to collect in your state
- Name and address of original creditor
- Date of last payment
Nina K.
Boston, MA
Beta User Result+215
points gained
Before
542
After
757
Deleted
4 of 5
"I didn't believe the 70% stat until I tried it. Sent validation letters to 5 collections. 4 of them couldn't provide proof and had to delete. It's all about knowing the law."
The 90-Day System
7 phases to systematically repair your credit and maximize your score.
What You Can Do: Eliminate Collections & Charge-Offs
Our AI generates validation letters demanding proof that collectors own your debt. 70% can't validate and must delete. You download the letter, mail it certified, and track the 30-day deadline in the app.
"Had 3 medical collections I thought were permanent. Sent the validation letters and all 3 were deleted within 45 days. My score jumped 180 points."
David P., Seattle, WA
Beta User Result+180 points
What You Can Do: Get Late Payments Removed (Goodwill)
If you had one-time hardships (medical emergency, job loss), you can call creditors and request goodwill removal. Our system gives you the exact script, shows you which reps to try, and when to escalate to the CEO.
"I had a late payment from 2 years ago when I was in the hospital. Used the goodwill script and the 4th rep I called removed it. 35 points instantly."
Angela T., Miami, FL
Beta User Result+35 points
What You Can Do: Negotiate Pay-for-Delete Deals
For small collections (under $1,000), collectors often accept 40-60% of the balance in exchange for deletion. Our system generates pay-for-delete offer letters and reminds you: NEVER pay until you get written confirmation.
"Owed $680 to a collector. Offered $400 for deletion using the template. They accepted. Paid, they deleted, gained 65 points. Total cost: $400 + $39 for the app."
Ramon G., San Antonio, TX
Beta User Result+65 points
What You Can Do: Borrow Someone's Good Credit History
If a family member has a 750+ score and 10+ year credit history, ask them to add you as an authorized user. Their positive history appears on your report within 30 days—you don't even need to use the card.
"My mom added me to her Amex from 1998. Within 2 weeks, I suddenly had a 15-year credit history and my score went from 610 to 702. Felt like cheating."
Emily R., Portland, OR
Beta User Result+92 points
What You Can Do: Build New Positive History Fast
Open a secured credit card (you deposit $200, get $200 limit) and a credit builder loan (Self Lender). Set autopay for small recurring charges. New positive accounts dilute old negatives.
"Got a secured card through the app's recommendations and a Self Lender account. After 6 months of perfect payments, my score went from 580 to 670."
Chris M., Denver, CO
Beta User Result+90 points (6 months)
What You Can Do: Game Your Utilization for Instant Gains
Credit utilization is 30% of your score. Pay your card BEFORE the statement closes (when they report to bureaus). Keep reported utilization under 9% for maximum points. Our app calculates your statement close dates.
"I always paid in full but AFTER the statement. Started paying before the statement close date and my utilization dropped from 45% to 5%. Gained 40 points in one month."
Priya S., Austin, TX
Beta User Result+40 points
What You Can Do: Remove Hard Inquiries
If you have inquiries you don't recognize (dealerships running your credit without permission), you can dispute them. Our AI generates inquiry removal letters. 30% success rate, worth 5-10 points each.
"Had 6 inquiries from a car dealership that ran my credit multiple times. Disputed 4 of them and 2 got removed. Small wins but it all adds up."
Mike L., Las Vegas, NV
Beta User Result+12 points
Results vary by file and bureau. We help you dispute items you believe are inaccurate or unverifiable — we don't guarantee removals or score increases.
Common Questions
Everything you need to know before getting started
No. Disputing items is your legal right under the FCRA. The act of disputing does not directly hurt your score. However, if a negative item is verified and remains, your score won't change from the dispute itself. If an item is removed, your score typically improves.
Yes, 100%. The Fair Credit Reporting Act (FCRA) gives you the right to dispute any item you believe is inaccurate, incomplete, or unverifiable. We help you exercise that right. We are not a law firm—we're software that helps you organize and send compliant dispute letters.
If you're on the paid plan and we don't deliver your custom plan + letters as described, you get a full refund within 30 days. However, we cannot guarantee that bureaus will remove items or that your score will increase—that depends on whether items can be validated and your overall credit profile.
Yes. The free plan is free forever. The paid plan ($39/month or $390/year) can be canceled anytime from your account settings. No long-term contracts, no cancellation fees.
Credit Karma shows you your score but doesn't generate dispute letters or track your dispute timeline. Doing it yourself is free but time-consuming (researching laws, writing letters, tracking deadlines). We automate the letter generation, track responses, and give you one-click mailing (paid plan) so you don't have to go to the post office.
No. Disputing an item is not the same as refusing to pay a valid debt. You're simply asking the bureau and creditor to prove the accuracy of what they're reporting. This is your legal right. If you owe a valid debt, you still owe it—but if it's reported incorrectly, you have the right to challenge it.
Bureaus have 30 days to investigate disputes. Most users see initial results (items removed, updated, or verified) within 30-45 days of sending their first letter. If items are removed, score updates typically appear within 1-2 billing cycles (30-60 days).
Then disputing won't help, and we'll tell you that upfront after analyzing your report. In that case, we recommend our credit-building strategies instead: authorized user tradelines, secured cards, paying down balances, and optimizing utilization timing. These are included in the paid plan.
No. We cannot and will not help you remove accurate, verifiable negative items. That would be illegal. We help you dispute items you believe are inaccurate, unverifiable, or incomplete. If a creditor can prove an item is accurate, it will remain on your report.