Your credit deserves a jolt.
We deliver it.
Credit Jolt challenges the inaccurate, outdated, and unverifiable items dragging your score down — collections, charge-offs, late payments — across all three bureaus. You live your life. We work your file.
Get started in 3 steps.
Sign yourself up in a few minutes — no phone tag required. Prefer a human? That option's at the bottom.
Pull your $1 credit report
Start with your full 3-bureau report and scores for $1 through our monitoring partner, MyFreeScoreNow. This shows us exactly what's on your file — we can't dispute what we can't see, so nothing moves without it.
Pull My $1 Report →Heads up: this is a 7-day trial with our monitoring partner. It renews at $39.95/mo unless you cancel — you keep full control of that subscription.
Book your free evaluation
Got your report? Grab a time below and we'll go through it together — what's hurting your score, what we can dispute, and what to expect.
📞 Prefer to talk? Call NowPick your plan & complete payment
Choose Standard or Unlimited and check out securely. Once payment is complete, you're officially enrolled — we'll take it from there.
See Plans & Enroll →Rather do this over the phone start to finish? Call us and we'll walk you through signing up, picking a plan, and enrollment ourselves.
📞 Call (877) 714-8253Four steps. Zero guesswork.
Pull your report, we audit it, we fire the disputes, you watch it change. See the full breakdown of exactly what happens after you sign up.
Receipts, not promises.
These are real client screenshots — score jumps, deleted collections, and all-bureau removals. Swipe through what working a file actually looks like.
+124 points in one cycle
A triple-digit move in one cycle — the kind of shift that changes what you qualify for.
Needs Work → Excellent
Payment history factor moved to Excellent, alongside a balance decrease on the same file.
Fair → Excellent
Derogatory marks factor moved from Fair to Excellent the same cycle a collection account closed.
Individual results vary based on each person's credit profile, reporting history, and overall situation. Figures above are taken from real client dispute dashboards and are shown as examples of actual client progress — not a promise of any specific score or outcome.
Built different. On purpose.
We only fight winnable fights
We challenge inaccurate, outdated, and unverifiable items — never accurate ones. That focus is why our disputes land.
Humans write your letters
No recycled templates that bureaus auto-reject. Every dispute is built around your specific file and the item's actual weakness.
We don't stop at round one
Bureaus count on you giving up. Your membership means unlimited dispute rounds and escalations while you're enrolled.
Backed by our guarantee
No results after 90 days? You choose — a full refund, or we keep disputing at no charge until something changes. Read the guarantee.
Wondering how this works?
Bureaus get ~30 days per dispute round, so most members see first movement within 30–60 days. Our average time to first results is about 60 days — every file is different.
We challenge items that are inaccurate, outdated, or unverifiable — never accurate, verifiable ones. Nobody can legally remove those, and anyone who promises to is lying.
Yes — no contracts, no cancellation fees. Cancel by phone or email and your monthly billing stops.