Scale your credit-repair business not your paperwork
Everything you need to run your credit-repair practice in one platform — client management, AI-drafted dispute letters, multi-bureau tracking, a branded client portal, and automated workflows.
The same workflow, end to end
From a multi-client dispute board to the AI-generated letter that goes in the mail — here’s what each step actually looks like.
Your whole practice, at a glance
Clients, active disputes, letters sent, and what needs attention — all on one dashboard, with quick actions and a recent-activity feed so you always know where to pick up.
One platform. Every tool.
Every client, every dispute, every bureau response in one operator dashboard — built right-sized for solo specialists and small teams, not an enterprise.
AI-Drafted Dispute Letters
After you audit a client's report, the platform drafts a dispute letter based on the issues you flagged — not a generic template. You review and edit every letter before it goes out. Monthly letter limits apply per plan.
Client Management
A full CRM for your clients — credit scores, disputes, documents, notes, and a passwordless client portal. Clients see updates whenever they sign in; you see everything in one view.
Multi-Bureau Tracking
Track disputes across Equifax, Experian, and TransUnion in a single view, with score history charted side by side per bureau so you always know where every client stands.
Score Simulator
Model the likely score impact of removing a tradeline based on account type, age, and balance, so you know which items to prioritize. An operator planning tool.
Automated Workflows
Follow-up tasks are created automatically when a dispute changes status, and overdue responses surface on their own so nothing slips through the cracks.
Two-Way Client Messaging
Secure messaging between you and each client's portal. Clients get email notifications, and unread badges keep you on top of every conversation.
Client Billing
Generate Stripe payment links for your clients directly from their profile. Payment goes straight to your Stripe account — no platform fee.
CROA-Aware by Design
Built around the Credit Repair Organizations Act — compliance notices at billing touchpoints, and client billing locked to post-service payment.
Team & Referral Program
Invite team members, assign clients, and grow with a built-in referral program — one free month for every referral who stays past 90 days.
Your entire workflow, in four steps
TrueCreditIQ is built for credit repair professionals who want results, not a second job learning software.
Set up your organization
Create your account, configure your firm profile, and start onboarding clients in under 10 minutes — no technical expertise required.
Add clients and import reports
Add clients, upload their credit reports, and send a passwordless invitation to their secure portal. Clients see updates anytime they sign in — no manual status emails.
Audit and dispute
Review each account on the client's report, then let the platform draft a dispute letter from the issues you flagged. You review and edit it before it goes out.
Track the response
Log each bureau response. The platform updates the dispute, computes the response deadline, and shows you what to do next.
What's on deck
Here's what we're building, in roughly the order we plan to ship it.
AI-Suggested Audit
Upload a credit report and the platform pre-flags likely issues on each account. You confirm or adjust, and the dispute letter is drafted from there.
Credit Report PDF Parsing
Drag a credit report PDF into the platform — tradelines, balances, dates, and payment history populate automatically. Already live on every plan.
Certified Mail Integration
One-click certified mail via Lob. Letter PDF goes out, tracking number comes back via webhook, delivery + signature confirmation auto-logged. No more standing in line at the post office.
Auto-Pull Credit Reports
Monthly automated 3-bureau pulls per client. The platform detects deletions, balance updates, and new tradelines automatically — and can auto-log bureau responses against the disputes you filed.
Scheduled Dispute Filing
Queue dispute campaigns to fire on a schedule — gated on auto-pulled score state so disputes don't fire when a client's score just dropped. Built on top of Auto-Pull.
Onboarding Sequences + Client Digests
Multi-touch onboarding sequences (welcome → portal invite → doc reminders → contract follow-up). Weekly client digest emails summarizing the week's disputes, responses, and score changes — automatic.
Got a feature you'd like to see prioritized? Email us — subscriber feedback drives the roadmap order.
Plans that scale with you
No charge until day 31. Card on file required — this prevents trial abuse and lets you cancel in one click any time before then. Fair-use letter limits apply per plan.
Ideal for independent credit repair consultants building their practice.
- Up to 200 clients
- 1 user seat
- Dispute tracking (all 3 bureaus)
- 50 AI dispute letters / mo
- Multi-point dispute letters
- Passwordless client portal
- Credit score simulator
- Full audit trail per client
- Email support
No charge until day 31 · cancel anytime
The go-to plan for growing credit repair businesses ready to scale.
- Up to 750 clients
- Up to 3 team seats
- Everything in Solo
- 250 AI dispute letters / mo
- Smart merge letters (multi-account, 1 quota)
- Automated follow-up workflows
- Agent-to-client messaging
- Affiliate management (track partner-referred clients)
- Client billing via Stripe
- Email support
No charge until day 31 · cancel anytime
For high-volume agencies that need power, scale, and full control.
- Up to 2,500 clients
- Up to 10 team seats
- Everything in Pro
- 750 AI dispute letters / mo
- Bulk 3-bureau dispute filing
- Client billing via Stripe
- Email support
No charge until day 31 · cancel anytime
Need more than 10 seats? Enterprise plans are coming soon.
TrueCreditIQ is software for credit-repair professionals. We are not a credit-repair organization — operators are responsible for their own CROA compliance.
Ready to spend less time on paperwork?
Run your whole credit-repair practice in one place — client intake, disputes, AI-drafted letters, and a branded client portal. Start free and have your first client set up tonight.
Get started free30-day free trial. Credit card required to start. Cancel anytime before the trial ends and you’ll never be charged.