More Than Credit Monitoring.
Power The Dispute Wizard while monitoring your credit, managing your money, and protecting your identity — all in one place.
Create Your Free Account3-Bureau Credit Report and Scores
When you securely connect your compatible three-bureau credit data, the Guided Credit Intelligence™ Engine transforms your credit reports into a personalized, easy-to-understand action plan inside The Dispute Wizard.
After you securely connect your credit-monitoring account, the Engine automatically:
- Organizes your three-bureau credit reports into one easy-to-understand dashboard
- Highlights accounts and reporting differences that may deserve your attention
- Explains why specific items were flagged
- Prepares personalized dispute letters based on your selections
- Tracks your progress as your credit reports change
Creating a free Dispute Wizard account and securely linking your credit data takes only a few minutes.
Your subscription includes much more than the data that powers The Dispute Wizard. You'll also have access to tools that help you build healthier financial habits every day.
Turn insight into action
ScoreBuilder®
- See what's helping and hurting your score
- Get a personalized plan to improve your credit health
- Take action to address negative accounts*
- Resolve credit reporting problems
* This feature unlocks if you have negative credit data
ScoreBoost™
- See how payments can increase your score
- Know when to apply for credit
- Know the right time to repay
- Balance spending between accounts
ScoreTracker
- Credit Score: Summarizes your overall credit status
- Auto Score: Shows creditworthiness for vehicle loans
- Insurance Score: Displays creditworthiness for insurance
- Hiring Risk Index: Shows creditworthiness for employment based on authorized background checks
Smart Reports
- Easy advanced view
- Move to different areas of your report with ease
- Take action directly from your accounts
- Link to Money Manager to view transactions
Every account, in one place
Money Manager
- Easily link bank, investment, loan, and credit card accounts
- Get instant statements
- See transactions, payments due, spending trends, and utilization
- Ask questions and resolve problems directly with creditors
- Get alerted of transactions over a specific $ amount that you set
- Flag unauthorized transactions with our patent-protected Actions
Actions
Our Action buttons give you the ability to quickly communicate with the institutions on your credit report.
- Request goodwill corrections
- Address credit report errors
- Report fraud
- Offer to settle a debt
Your identity, actively defended
Alerts
Online Credit Monitoring
- New accounts and inquiries
- Change in account status
- Suspicious activity
- Score improvement
- Monthly credit updates
- Money Manager transactions
- Payments due
Fraud Insurance
- Zero deductible, $1 million coverage
- Bank, savings, brokerage, lines of credit, and credit cards
- Out-of-pocket expenses for ID recovery
- Credit reports
- Unsuspected pre-existing identity fraud
- Replacement costs of stolen driver's license and passport
PrivacyMaster®
Take back control of your online privacy.
- Get notified when your personal information is found on data broker websites
- Request the removal of your data
- Maintain your privacy with active and continual web scanning
Your credit monitoring subscription does more than power The Dispute Wizard.
It gives you ongoing tools to monitor your credit, improve your financial habits, manage your money, and help protect your identity — all from one secure account.
Create Your Free AccountFree to join. No credit card required to create your account.