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Everything worth knowing about ScoreWipe — what it does, what it costs, and what the law actually lets you do.
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What is ScoreWipe?
ScoreWipe is an AI-powered platform that helps you dispute inaccurate items on your credit report. We generate professionally written dispute letters citing specific FCRA sections, track your disputes, and help you manage your credit accounts.
Is ScoreWipe a credit repair company?
No. ScoreWipe is a self-service tool that helps you exercise your legal rights under the Fair Credit Reporting Act (FCRA). We are not a credit repair organization as defined by CROA. You are disputing on your own behalf using our tools.
What rights do I have under the FCRA?
Under the FCRA, you have the right to dispute any information on your credit report that you believe is inaccurate, incomplete, or unverifiable. Credit bureaus must investigate your dispute within 30 days and remove or correct any information they cannot verify.
How much does it cost?
The Free plan lets you upload a report, see every disputable item we find, and draft up to 3 letters a month — you'll see the opening and the FCRA sections cited. Reading a letter in full, downloading the PDF, or mailing it certified requires a plan. Pro is $24/month ($19.20 billed yearly) with unlimited letters, report parsing, and analysis. Pro+ is $34/month ($27.20 yearly) and adds certified mail at $4.49 a letter, score estimation, and specialty-agency disputes.
How do I upload my credit report?
Go to the Upload Report page and drag-and-drop your credit report PDF. We support reports from Equifax, Experian, TransUnion, and tri-merge reports. The report must be a text-based PDF (not a scanned image).
How long does a dispute take?
Credit bureaus are required to investigate your dispute within 30 days of receiving it (45 days if you provide additional information). ScoreWipe tracks these deadlines and sends you reminders.
Can I send dispute letters through ScoreWipe?
Yes. On a paid plan you can send letters by USPS Certified Mail straight from ScoreWipe — $4.99 a letter on Pro, $4.49 on Pro+ — and we track the 30-day clock from the certified receipt. You can also download the PDF and mail it yourself. Free-plan drafts are preview-only until you upgrade.
What types of items can I dispute?
You can dispute collections, charge-offs, late payments, inquiries, public records, identity theft items, duplicate accounts, outdated information, and any other inaccurate data on your credit report.
Will disputing hurt my credit score?
No. Disputing items on your credit report does not hurt your score. If inaccurate negative items are removed, your score will improve.
Can I cancel my subscription?
Yes, you can cancel anytime from your Settings page. You'll retain access until the end of your billing period.