100M+
Americans with damaged credit
$150/mo
What scammy services charge you
35%
Of your score is payment history — fixable
7 years
How long negatives stay — unless disputed
How Reclaim works.
Real credit repair. Not the scammy version.
01
📋
Analyze your report
Upload your credit report or enter your key info. Our AI reads every line and identifies every legitimate issue — errors, outdated items, unverifiable accounts.
02
✉️
Generate dispute letters
We generate FCRA-compliant dispute letters for every legitimate item. Legally precise, bureau-specific, ready to send. Only real disputes — no gaming the system.
03
🗺️
Get your roadmap
Beyond disputes, we build a personalized credit-building plan: utilization targets, payment strategy, credit mix — everything that actually moves your score.
04
📈
Track your progress
Log your score over time and watch it climb. Track which disputes were accepted, what changed, and what to do next. Real feedback on real progress.
We're not like the others.
Most credit repair companies dispute everything and hope something sticks. That's not repair — that's manipulation. Here's the difference.
❌ Traditional credit repair
Disputes everything — even accurate info
Score jumps, then items come back
$100–$150/mo for form letters
No education, no long-term fix
You have no idea what they're doing
✅ Reclaim
Only disputes legitimately disputable items
Real, lasting credit improvement
$29/mo — and you do it yourself
Full education on why each thing matters
You see every letter, every decision
Everything you need to fix your credit.
🔍
Credit Report Analysis
Upload your report or enter data manually. AI identifies every issue and explains exactly what's hurting your score.
✉️
Dispute Letter Generator
FCRA-compliant letters for every legitimate dispute. Bureau-specific, legally precise, ready to send in minutes.
🗺️
Credit Building Roadmap
A step-by-step plan built around your specific situation — utilization, payment history, credit mix, new accounts.
🤖
AI Advisor
Ask anything about your credit. Get straight answers based on your actual situation — not generic tips.
📊
Progress Tracking
Log your score over time. Track which disputes resolved, what improved, and your trajectory to your goal.
📚
Credit Education
Understand exactly why each factor affects your score and what realistic improvement looks like for your situation.
Simple pricing.
A fraction of what traditional credit repair charges — and actually better.
Free
$0/mo
See what's hurting your credit
✓Credit report analysis
✓Score factor breakdown
✓3 dispute letters
✓Basic roadmap
✓AI advisor (limited)
Get StartedMOST POPULAR
Premium
$29/mo
Full credit repair, done right
✓Everything in Free
✓Unlimited dispute letters
✓Full AI advisor
✓Complete roadmap
✓Progress tracking
✓Priority support
Start Premium⚡
Your credit can be fixed.
It won't happen overnight. But with the right plan and the right tools, it will happen. Start today.
Start Free — No Card Needed