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Get an overview of our service:
We make it simple
Sign up for free
Enroll in minutes – no cost,
no risk, no obligation
Review & dispute
Our experts review your credit, spot errors, and send disputes.
Track progress
Monitor changes to your credit as we address negative items.
“One of the quickest ways to improve your credit score is
to remove inaccurate information from your credit report.”
– LendingTree chief consumer finance analyst
How we can help
bureaus to help clean up your credit.
- Collections
- Late Payments
- Foreclosures
- Charge Offs
- Bankruptcies
- Judgments
- Repossessions
- Liens
- Inquiries
We've got you covered
At I Need My Credit, we’re committed to your financial success and peace of mind. That’s why we offer a 90-day money-back guarantee.*
*Credit service companies cannot promise a result or credit score increase.
Experience the power of better credit
A better credit score means more savings and better financial opportunities:
Better interest rates
Save money on loans, credit cards, and mortgages.
Lower insurance costs
Enjoy lower premiums on car and homeowners insurance.
Easier approval
Increase your approval odds for credit cards, homes, and cars.
Peace of mind
Access credit when you need it, with less stress and more control.
Expertise you can depend on
Join the ranks of our satisfied clients and discover why we’re the trusted choice.
FAQs
I Need My Credit works to improve your credit by identifying inaccurate, unfair, or outdated negative items on your credit reports and disputing them with Experian, Equifax, and TransUnion.
With nearly 20 years of experience, we’ve mastered credit reporting laws and developed powerful dispute strategies that deliver real results. We craft and send professional, custom dispute letters on your behalf, handle all the paperwork, communicate directly with the bureaus, and follow up relentlessly, pushing for corrections to move your credit forward.
Once you sign up, we securely pull your credit reports and dig deep to identify every inaccurate, unfair, or outdated item affecting your score. We’ll then develop your personalized dispute strategy, craft professional dispute letters, and send them to all three credit bureaus. If the bureaus can’t verify an item is accurately reported, they must remove it or correct it–this is what helps improve your credit score.
Then, we track responses, monitor progress closely, and persistently follow up to keep your credit moving in the right direction. Throughout the process, you’ll get updates in your online portal, plus practical guidance and tools to help strengthen your credit while we do the heavy lifting.
I Need My Credit is a strong fit for individuals who have inaccurate, unfair, or outdated negative items impacting their credit.
If you want a structured, expert-led approach designed to challenge and correct inaccurate reporting, I Need My Credit may be the right choice for you.
Yes. I Need My Credit is accredited by the Better Business Bureau, has helped over 250,000 clients improve their credit since 2007, and earned over 15,000 positive reviews.
We operate in full compliance with federal credit reporting laws and use proven, professional dispute strategies developed through nearly 20 years of experience.
Yes. I Need My Credit is SOC 2 Type II and PCI compliant, which means our security practices follow rigorous standards for safeguarding your information.
All plans include credit report analysis, score tracking, personalized dispute preparation and submission to all three bureaus, and access to customer support.
Each tier offers a different level of depth:
- Credit Polish covers the basics of credit report analysis and disputes.
- Credit Remodel introduces additional features, including inquiry targeting for eligible hard inquiries, a personalized credit guide, and real-time account syncing for a more up-to-date view of your credit profile.
- Clean Slate is our most comprehensive option, using the most aggressive dispute strategy to challenge all eligible negative items each cycle. It also offers full tri-bureau visibility, loan-readiness tools to help prepare for major goals like a mortgage or auto loan, plus everything included in Credit Remodel.
Yes. If your needs change, you may be able to upgrade or downgrade your plan after enrollment.
Yes. Clients can track account activity, dispute progress, updates, and important notifications through their online portal.
$0 due today – sign up 100% FREE with no charge for the first 6 days.
First work fee due on day 6 – this one-time fee allows us to set up your account. Cancel before day 6 and you won’t be charged.
Monthly payment begins one month after your first work fee – this is a recurring charge, billed on the same day each month as long as your service is active. Cancel anytime.
All plans are backed by our 90-day money-back guarantee for added peace of mind.