IdentityIQ is billed separately by them ($22-39/mo after the $1 trial). Your point Guard membership is $70 on Day 7 (after the work is done, letters sent), then $70/mo from Day 37.

Start with IdentityIQ

Manual UploadManual

Or pull your free reports via AnnualCreditReport.com.

Official, free, all three bureaus.
Upload the PDFs to us and we take it from there.
Best for $0 upfront.
Full portal access to upload & track your files.

Total: $0 today, $70 on Day 7 (after the work is done, letters sent), then $70/mo from Day 37.

Start Free Setup

Either way... upload your reports to us and we'll mail every dispute letter for you. We go to the post office for you and physically mail them. No extra charges or hidden fees, your membership covers all forms of disputing.

IdentityIQ or any third-party credit monitoring service is billed separately by that provider, but it syncs straight into our software so everything stays compatible and in one place. Don't want monitoring? AnnualCreditReport.com is free and works just fine.

Included with every option

Unlimited disputes, included with all options.

We prepare and send every dispute letter by mail for you. Hands off. We go to the post office. No extra charge or hidden fee, your membership covers the mailing. No matter how you pull your reports, the disputes are unlimited.

We improve your credit by identifying inaccurate, unfair, or outdated negative items across your three credit reports and disputing them with Experian, Equifax, and TransUnion.

We craft and send professional, custom dispute letters on your behalf, handle all the paperwork, talk directly with the bureaus, and follow up relentlessly, pushing for corrections that move your credit forward.

How It Works

Like a point guard analyzing the court for the next play.

We find the errors and inaccuracies across your three bureau reports, then prepare and dispute them by mail, fax, and online, strategically, based on the specific inaccuracies between Experian, Equifax, and TransUnion. There are many possible FCRA outcomes and remedies depending on what the data furnishers and creditors do or don't do. We give them their required time to respond; they either remove the errors or verify, and then we respond accordingly. If they "verify," we file that away as an arrow in our quiver to potentially use later in litigation. We work under Section 1681s-2(b) of the FCRA, the furnisher duties provision.

Find the errors

We pull all three reports and find the errors and inaccuracies across the bureaus.

Make them verify

We dispute the right way. That makes them verify the information. They often can't.

Keep the avenue open

If they verify, we keep the account prepared and preserve the path forward.

Consumer Credit, Defended

Your credit report needs a point guard.

87% of credit reports have at least one error. One wrong mark can cost you a loan, a rental, a job, or thousands of extra interest. We manage the court, run the plays, find the inaccuracies, and strategically dispute them.

Lower rates on loans & cards
Better shot at rentals & approvals
Cleaner file for employers & insurers

Get Started See Pricing

87%

of credit reports have at least one error

Even when there's no outright error, there are usually inaccuracies between the three bureaus. That's where the disputing comes in.

Ready to take control of your credit report?

Start free case evaluation Book a Consultation

What's included

$0 upfront. Free initial case evaluation.
Work's done upfront on your behalf for 7 days, analyzing and preparing your report and custom disputes.
No errors? It's free. We only charge clients we can help.
Unlimited disputes. We prepare and send every letter by mail for you. Hands off. No extra charge or hidden fee, your membership covers the mailing.

Important: Point Guard Credit is not a law firm and does not give legal advice or legal representation. No attorney-client relationship is formed by using this website or our services. We don't guarantee any particular outcome, credit-score increase, or deletion. Pricing and service scope are proposed and subject to legal and compliance review before we offer or collect any fees. Between Day 7 and Day 14, we'll need a notarized Power of Attorney (POA) on file so we can act on your behalf with the bureaus and creditors. We cover the cost of the notarization, billed after the work-first fee. We don't do "credit sweeps" and we don't claim you've been a victim of identity theft. Those are dangerous shortcuts that damage your credit over time and get your accounts red-flagged. Everything we do is built around a specific Fair Credit Reporting Act strategy. Every credit-improvement program also builds a paper trail in the background, in case you need to step up to more involved case work later.