Start your file · A Screwed Up Credit company

Three steps.
One command center.

Every DisputeIQ workflow begins with a real 3-bureau report. Start with our ecosystem partner MyFreeScoreNow, return to DisputeIQ, and turn the file into action.

  1. 01Report intake

    Get your real 3-bureau report

    Enroll through MyFreeScoreNow to pull a live Experian, Equifax, and TransUnion file. This is the report DisputeIQ will analyze.

    • Live tri-merge report
    • All three bureaus
    • Refresh on demand
    • Delivered to you, not to us

    MyFreeScoreNow · a Screwed Up Credit partner product

  2. 02Return to DisputeIQ

    Come back to disputeiq.org

    Once you have your report in hand, come back here and open your DisputeIQ command center. Your workspace is ready the moment you sign in.

    • No manual matching
    • Your workspace is ready
    • Sign in or create an account
    • Private by design

    app.disputeiq.org

  3. 03Upload & analyze

    Upload your report and begin

    Upload the tri-merge PDF to DisputeIQ. Cross-bureau analysis runs in minutes, surfacing actionable findings ranked by severity with drafted next-best actions.

    • Cross-bureau diff engine
    • Severity-ranked findings
    • AI next-best action
    • Draft disputes from facts

    Lands directly in the tri-merge action center

Good to know

A few things before you start.

  • Why MyFreeScoreNow?

    MyFreeScoreNow is the 3-bureau report intake lane inside the Screwed Up Credit ecosystem. It delivers the tri-merge file DisputeIQ uses for analysis.

  • Your file, your file.

    You can dispute inaccuracies yourself, for free, directly with the bureaus. DisputeIQ is a workflow and software tool — we help you organize and act accurately.

  • No guaranteed outcomes.

    We do not guarantee removals or score changes. Nobody legitimate can. DisputeIQ optimizes for accuracy and documentation, not promises.

  • You confirm every step.

    Nothing leaves the platform without your explicit confirmation. No auto-dispatch, no hidden actions, no silent fees.