ScoreToClose gives you a personalized credit action plan, AI-powered dispute letters, and a clear path to your target score.
CURRENT SCORE
594
Target: 640
PRIORITY ACTIONS
Real People
Real Results
90 days
Typical Timeline
3 Bureaus
Covered
100%
FCRA Compliant
*Results vary; not a guarantee. ScoreToClose is not a credit repair organization and does not charge fees for credit repair services.
THE PROCESS
We analyze every item across all three bureaus — identifying errors, derogatory marks, and high-impact opportunities.
Bureau Analysis
Priority Actions
Each action is ranked by potential score impact. You always know exactly what to do next and why it matters.
Send AI-generated dispute letters in seconds. Monitor your score improvement in real time as items get resolved.
Dispute Letter Preview
To: Equifax Dispute Department
Dear Sir/Madam, I am writing to dispute the following information on my credit report...
Refer clients who aren't quite ready. We get them to qualification. You get the sale. Track every referral with your personal dashboard.
Realtor Dashboard
Sarah JonesMarcus Williams
Pre-Qual ReadyScore
648
Start
581
Gain
+67
No fees. No credit card. No catch.
Free for clients
Everything you need to reach your target score and get mortgage-ready.
Every dispute letter follows Fair Credit Reporting Act guidelines. Legally sound, professionally formatted.
Your data is encrypted end-to-end. We never store credit card information or share your data with third parties.
Our AI identifies the highest-impact items on your report and generates dispute letters tailored to each bureau.
Get your personalized credit action plan today.
Free assessment. No credit card required.