Full transparency,
in plain language.

You may dispute inaccuracies on your credit report yourself, for free, directly with the credit bureaus. This platform is a software and workflow tool that helps you organize, prepare, and track your own actions. We do not guarantee removals or score changes.

DisputeIQ is a software and workflow tool. It helps you review your credit reports, identify potential inaccuracies, prepare dispute documents, and track certified mailings. It is not a credit repair organization, a law firm, or a financial advisor.

Nothing leaves the platform without your explicit confirmation. There is no auto-dispatch and no hidden action.

We do not guarantee removal of any item from your credit report.

We do not guarantee any change in your credit score.

Anyone who promises guaranteed credit results is making a claim that cannot be supported. DisputeIQ optimizes for accuracy and documentation, not promises.

You may dispute inaccuracies on your credit report yourself, for free, directly with the credit bureaus.

You may request your annual free reports at annualcreditreport.com.

You may revoke consent and close your account at any time.

You may request export of all your data on demand.

DisputeIQ is operated within the Screwed Up Credit ecosystem. Screwed Up Credit is the parent ecosystem that connects DisputeIQ with ecosystem partner products.

MyFreeScoreNow is the 3-bureau report intake partner used by the Screwed Up Credit customer journey. When you enroll through MyFreeScoreNow from our website, you are beginning that journey.

DisputeIQ may receive a referral fee when you enroll through our intake partner. This does not change what you pay.

DisputeIQ encrypts your data at rest with AES-256 and in transit with TLS 1.3. Credit reports and documents live in a per-tenant isolated vault.

We do not sell, rent, or share your data with marketing partners. We do not use your file for training third-party AI models.

Every action — uploads, drafts, dispatches, deletions — is written to an immutable audit log you can export on demand.

DisputeIQ operates in the United States. Users are responsible for complying with the laws of their state or territory.

Section 611 of the FCRA provides the right to dispute inaccurate information. Section 605B provides the right to have information resulting from alleged identity theft blocked by a consumer reporting agency, subject to specific documentation requirements.

DisputeIQ does not provide legal advice. If your situation requires legal counsel, consult a licensed attorney.