Credit680
You run the dispute. We run the software.

Four steps from your report to a letter in the mail.

Start your free analysisSee how it worksStep 3 is free. No card to get there.
  1. Import
    Connect or upload
    1Bring in your report

    Permissioned import, or the free copy you already have.

  2. Analysis · free
    CollectionFlag
    Late · 2019Flag
    Auto loanOK
    2Read what was flagged

    Each item says why it was flagged, in plain English.

  3. Your letter
    Generate letter
    3Generate and send it

    Your selections, your signature, your envelope.

  4. Tracking
    Sentday 0
    Window closesday 30
    4Track the response

    Know where each item stands and when to follow up.

The short version

You keep the report, the letter, the decision and the data.

  • No card for your analysisSee every flagged item before paying anything.
  • The price is on the page$19 or $39. No setup fee, no contract.
  • Never your bureau loginPermissioned import, or you upload. No scraping.
  • Delete means deletedReports, letters and the files behind them.
What actually happens

Nobody can promise you a number.

We can show you what is on your report and why an item was flagged. What happens next is decided by the bureaus.

Read how disputes are decided
What a dispute cycle can look likeThree paths from the same starting point. Which one you get is not ours to decide.
Your score — no scale shown The bureau has 30 days to investigateYou send30 days90 days6 months An item is corrected or removed Everything is verified — nothing changes Other activity moves it the other way

This is an illustration, not a prediction. Not based on customer data, no scale shown, and no path more likely than another. Whether anything changes is decided by the bureaus and your creditors — not by Credit680.

What the tool does

Four jobs, handed back to you at every step.

  • Flagged items
    Collection
    Late · 2019
    Auto loan
    Each flag says why.

    See what may be disputable

    Inaccurate, unverifiable or outdated — in plain English, with the reason.

  • Letter composer
    Your signature
    Generate

    Generate letters in one click

    Built from your selections. You read it before it leaves.

  • Tracker
    Sent
    Waiting
    Closed
    Day 12 of 30 on two items.

    Track every dispute

    Which bureau has it, and when the response window closes.

  • What changed
    Collection · $890
    Inquiry · new
    Balance updated
    Since last month's scan.

    Re-scan every month

    Reports move. Your view of them should too.

Why our price is on the page

We called the ten providers nearest us. Nine would not quote a price.

See the ten, by distance
  • No price
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  • $19Credit680

Nine publish no rate at all — you get a number after a consultation call. That is a choice they make, and one we decided not to copy. Ours is on this page, on the pricing page, and in your account.

Dallas–Fort Worth market, reviewed August 2026. Describes the category, not any one company. Providers change pricing without notice.

Pricing

Two numbers. That is the whole pricing page.

$19/ month

Basic — run your own disputes

Import your report, read the full analysis, generate unlimited letters, and track every one you send.

Start with Basic

$39/ monthMost complete

Plus — multi-round, all three bureaus

Everything in Basic, plus a monthly re-scan with a what-changed summary, deadline reminders, and second-round templates.

Start with Plus

Billed monthly. No setup fee, no per-dispute fee, and no charge to see your first analysis. You are paying for access to software — you are not paying anyone to repair your credit, and you can dispute items yourself, free, with the bureaus directly.

Software you operate, or a firm you hire

Who actually touches your dispute.

See the full comparison
A local firmYou hire them
They do
They do
They do
They do
$400–$1,100incl. setup fee
Plain DIYOn your own
You do
You do
You do
You do
$0–$1,200free is possible
Credit680You, with a tool
The tool
You decide
The tool drafts
You sign
$114–$234no setup fee

Ranges reflect published rates and independent 2026 pricing surveys for the Dallas–Fort Worth market, reviewed August 2026. They describe the category, not any particular company, and providers change their pricing without notice. Cost is not a statement about results — no provider, including Credit680, can promise a specific outcome.

Your data

A credit report is the most sensitive file you own.

  • Encrypted in transit and at restYour report and everything derived from it, on the wire and in storage.
  • We never hold your bureau credentialsThere is nowhere in Credit680 to enter a bureau username or password.
  • Account numbers are maskedStored masked in the data model rather than kept whole.
  • Every action is written to an audit trailImports, analyses, letters and consents, in an append-only log scoped to you.
  • Multi-factor sign-in, least-privilege accessAuthentication through Auth0 with MFA available; every record scoped to your account.
  • Deletion actually deletesReports, letters, consents and the files behind them. The record that you deleted is kept as evidence it happened.

Every line here is something the product does today. The full detail is in our Privacy Policy and Consumer disclosures.

Your letter, your signature, your envelope.

See what is on your report — free.

  1. 1Sign up

    An email address. No card.

  2. 2Bring your report

    Permissioned import, or upload.

  3. 3Read the analysis

    Free. Decide after that.

Start your free analysisCancel anytime after that

You can dispute items yourself for free by contacting the credit bureaus and your creditors directly. Credit680 is the software that makes doing it simpler, and it does not promise any result.