Your credit deserves a jolt.
We deliver it.
CreditJolt challenges the inaccurate, outdated, and unverifiable items dragging your score down — collections, charge-offs, late payments — across all three bureaus. You live your life. We work your file.
Get started in 3 steps.
Sign yourself up in about ten minutes — no phone tag required. Prefer a human? That option's at the bottom.
Pull your $1 credit report
Start with your full 3-bureau report and scores for $1 through our monitoring partner. This shows us exactly what's on your file — we can't dispute what we can't see, so nothing moves without it.
Pull My $1 Report →Heads up: this is a 7-day trial with our monitoring partner. It renews at $29.95/mo unless you cancel — you keep full control of that subscription.
Sign up & start your membership
One plan: $150 to open and audit your file, then $150/month for unlimited disputes across all three bureaus and ongoing support. Secure checkout, cancel anytime.
Start My Membership — $150 →Download your app & upload docs
Watch for your onboarding emails right after checkout — they walk you through downloading your credit app. Inside, sign your agreement and upload your documents. Letters can't go out until both are done. Once they are, your first round is sent within 24–48 hours and you track every dispute in the app.
See What We Do Next →Rather sign up over the phone? Call us and we'll walk you through all three steps ourselves.
📞 Call (877) 714-8253Four steps. Zero guesswork.
You shouldn't need a law degree to fight your own credit report. Here's the whole playbook.
Pull your report
Start with a full 3-bureau report and scores for $1 — so we see exactly what's on your file before anything else.
We audit every line
We flag inaccurate, outdated, and unverifiable items — collections, charge-offs, late payments, and reporting errors.
We fire the disputes
Dispute letters, verification demands, and escalations go out to bureaus and furnishers. We track every response deadline.
You watch it change
Round after round, your file gets cleaner. We keep monitoring, keep disputing, and keep you posted every step.
Receipts, not promises.
These are real client screenshots — score jumps, deleted collections, and all-bureau removals. Swipe through what working a file actually looks like.
+124-point jump
A triple-digit move in one cycle — the kind of shift that changes what you qualify for.
Collections removed
Multiple collections deleted across all three bureaus. This is the process doing its job.
Deleted, across the board
Every account showing "Deleted" on Equifax, Experian, and TransUnion. We work files all the way through.
Individual results vary based on each person's credit profile, reporting history, and overall situation. Figures above are taken from real client dispute dashboards and are shown as examples of actual client progress — not a promise of any specific score or outcome.
Built different. On purpose.
We only fight winnable fights
We challenge inaccurate, outdated, and unverifiable items — never accurate ones. That focus is why our disputes land.
Humans write your letters
No recycled templates that bureaus auto-reject. Every dispute is built around your specific file and the item's actual weakness.
We don't stop at round one
Bureaus count on you giving up. Your membership means unlimited dispute rounds and escalations while you're enrolled.
Always-on monitoring
Your file is watched continuously, so new negatives get caught — and challenged — fast.
Real support, real hours
Call or email us Mon–Fri 9–6 ET. You'll always know exactly where your file stands.
Backed by our guarantee
Not satisfied after 60 days? We keep working your file at no additional cost. Read the guarantee.
One membership. Every weapon.
Everything below is included for every member — no add-ons, no upsells, no "premium tier" holding the good stuff hostage.
Unlimited disputes
Every round, every escalation, across Equifax, Experian, and TransUnion — for as long as you're enrolled.
Dispute & block letters
Custom-written challenges and verification demands, sent and tracked for you — including certified mail when it counts.
Regulator escalations
When bureaus or collectors stonewall, we escalate — including CFPB complaints built on your file's paper trail.
3-bureau monitoring
Your reports and scores stay under watch, so every change — good or bad — gets caught fast.
New-negative response
A fresh collection or late payment appears? It gets flagged and challenged in the next dispute wave, automatically.
Progress updates
Monthly updates in plain English: what was disputed, what came back, what's next. No mystery, ever.
Credit strategy
Real guidance on rebuilding — utilization, mix, and habits — so your score keeps climbing after the negatives fall.
Human support
Call us Mon–Fri 9–6 ET and reach someone who actually knows your file — not a phone tree.
$150 to start.
$150/month to stay protected.
All 3 bureaus. Unlimited disputes. Ongoing support — one membership, no upsells, cancel anytime.
The 60-Day Jolt Guarantee
Not satisfied after 60 days? We keep working your file at no additional cost — our time, our dime, until the job's done right.
Wondering how this works?
Bureaus get ~30 days per dispute round, so most members see first movement within 30–60 days. Our average time to first results is about 60 days — every file is different.
We challenge items that are inaccurate, outdated, or unverifiable — never accurate, verifiable ones. Nobody can legally remove those, and anyone who promises to is lying.
Yes — no contracts, no cancellation fees. Cancel by phone or email and your monthly billing stops.
Get a free credit evaluation — no strings.
Ten minutes on the phone and you'll know exactly what's hurting your score and whether we can help.
Not sure where to start?
Get a free credit action plan sent to your inbox — what's likely hurting your score, and the fastest path forward.
No spam. No sales pressure. Just a clear next step.