New to credit
Learn what a credit score is (and isn't), what goes into it, how credit files get started, and the terms you'll see on your first credit report.
Do-it-yourself credit education app
You don't need to pay a credit repair company. Learn to handle it yourself.
Step-by-step guides and dispute letter templates so you can review your credit reports and dispute inaccurate information yourself, directly with the credit bureaus. Disputing is free, and we'll walk you through it.
Coming soon to the App Store and Google Play
How it works
Review your reports and handle errors yourself
Clear Credit Coach walks you through the same process anyone can use for free, one step at a time.
Get your free reports
Download your credit reports from Equifax, Experian, and TransUnion for free at AnnualCreditReport.com.
Learn what's on them
Plain-English lessons explain each section of your report: accounts, payment history, balances, inquiries, and public records.
Spot errors
Use our checklist to look for information that may be inaccurate or incomplete, like an account that isn't yours or a wrong balance.
Dispute inaccurate items yourself
Use our letter templates and step-by-step walkthroughs to dispute inaccurate information yourself, directly with the bureaus.
Track your disputes and keep learning
Log what you sent and when, note the responses you get, and keep learning how credit works.
Disputing is free. You can do it yourself, and we'll walk you through it. Disputes are for information you believe is inaccurate or incomplete. Accurate, timely information can legally stay on your report, and the outcome of any dispute depends on the bureau's investigation.
Guided learning paths
Learn what matters for where you're starting
Whether credit has always felt like a mystery or you're getting ready for a big purchase, follow a learning path with clear explanations and checklists for your goal.
Home buyers
Learn what mortgage lenders review, how to read your reports well ahead of time, and how utilization is calculated. Know where you stand before you apply.
Car buyers
Know where you stand before you visit the dealership. Learn how hard and soft inquiries work and what to review before you apply for financing.
Rebuilding
Had late payments, collections, or maxed-out cards? Learn how negative information is reported and how long it can stay, how payment history and balances factor in, and how the free dispute process works for errors.
How the app helps
Everything you need to do it yourself
The Clear Credit Coach app brings together plain-English lessons and practical self-help tools in one calm, simple place.
Dispute letter templates Premium
Do-it-yourself templates plus a guided dispute walkthrough for inaccurate information. You review every letter and send it yourself.
Learn how credit works
Short lessons on the basics, utilization, reading your report, how disputes work, and avoiding scams.
Track and organize
Log the scores you check and keep a starter checklist, like getting your free credit reports, in one place.
Score simulator Premium
Explore what-if scenarios to learn which factors scoring models generally weigh. Educational estimates, not predictions.
Planning tools Premium
A debt payoff planner, utilization calculator, budget tool, and mortgage and car-buying readiness checks.
Guided learning paths Premium
Paths for new to credit, home buyers, car buyers, and rebuilding, so you know where you stand before you apply.
Free vs. Premium
Start free. Upgrade when you want more tools.
The free version teaches the essentials, including how the free dispute process works. Premium adds dispute letter templates, a guided walkthrough, and more self-help tools.
Free
$0, free forever
- Account and profile
- Score log with a basic chart
- Starter lessons on how credit works
- How to read your credit reports and the free dispute process
- Starter checklist to get organized
Premium
Monthly subscriptionPricing coming soon
- Do-it-yourself dispute letter templates and a guided dispute walkthrough for inaccurate information. You send every letter yourself.
- Everything in Free
- Dispute tracker to log what you sent and the responses you get
- Score simulator (educational estimates)
- Debt payoff planner
- Mortgage readiness and car-buying readiness checks
- Guided learning paths: new to credit, home buyers, car buyers, and rebuilding
- Utilization calculator
- Budget tool
Pricing coming soon. 2-week free trial, then billed monthly through the App Store or Google Play; cancel anytime in your store settings. The price will be shown in the app before you start a trial, and if you cancel before the trial ends you won't be charged. Premium tools are for education and planning only; they don't change your credit report or score.
Education only
Do it yourself. You stay in control.
Clear Credit Coach is built to help you understand your credit and plan your next move on your own terms. You decide what to do with what you learn.
- Learn how credit reports and scores work, in plain English
- Use tools to track, organize, and plan
- Know where you stand before you apply for a mortgage or car loan
- Dispute inaccurate information yourself, for free, with our templates and walkthroughs
Get early access
Coming soon to the App Store and Google Play
Join the waitlist and be the first to know when Clear Credit Coach is ready to download.
Coming soon to theApp Store
Coming soon toGoogle Play
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FAQ
Questions, answered
Is Clear Credit Coach a credit repair company?
No. Clear Credit Coach provides educational content and self-help tools only. We are not a credit repair organization, do not perform credit repair services, and do not contact credit bureaus or creditors on your behalf. We don't guarantee any change to your credit score or report. Not financial or legal advice.
The app teaches how credit reports and scores work and gives you tools to track, organize, and plan. You decide what to do with what you learn.
Do you fix my credit for me?
No. We don't do anything to your credit on your behalf, and we don't contact the credit bureaus or your creditors for you. Instead, we teach you how to handle it yourself. If you find information on your credit report that you believe is inaccurate or incomplete, you can dispute it yourself, for free, directly with the credit bureaus (Equifax, Experian, and TransUnion) and with the company that reported it.
Premium includes do-it-yourself dispute letter templates and a guided dispute walkthrough. You decide whether to dispute, you review and edit every letter, and you send it yourself.
Do I need to pay a credit repair company to dispute errors?
No. Under federal law, you have the right to dispute inaccurate or incomplete information directly with the credit bureaus at no cost, and you don't need to hire anyone to do it. Disputing is free. You can do it yourself, and we'll walk you through it.
If you do decide to hire a credit repair company, federal law requires it to give you a written contract and a 3-business-day right to cancel, and it can't charge you until it has performed the services it promised.
What can I dispute?
Disputes are for information you believe is inaccurate or incomplete, such as an account that isn't yours, a payment marked late that was on time, a wrong balance, or an outdated item that should no longer be reported. Accurate, timely information can legally stay on a credit report, and our walkthrough doesn't help you dispute information you know is accurate.
The credit bureaus generally must investigate within 30 days. The outcome depends on their investigation, and we don't guarantee any particular outcome.
When will the app be available?
The app is coming soon to the App Store and Google Play. Join the waitlist and we'll let you know when it's ready to download.
How much does Premium cost?
Pricing is coming soon. Premium starts with a 2-week free trial, then is billed monthly through the App Store or Google Play. The price will be shown in the app before you start a trial. You can cancel anytime in your store settings; cancel before the trial ends and you won't be charged.
How do I cancel Premium?
Premium is managed by Apple or Google, so you cancel in your Apple ID subscription settings or your Google Play subscriptions. Cancellation takes effect at the end of the current billing period. Deleting the app or your account does not cancel your subscription.
Will using the app affect my credit score?
No. The app does not pull your credit. You enter scores you've gotten elsewhere, such as from your bank, card issuer, or a credit monitoring service. Checking your own credit is a soft inquiry and does not affect your scores.
Is the score simulator a prediction of my score?
No. The score simulator is a learning tool. It shows educational estimates of how common credit scoring factors generally work in hypothetical scenarios. Real scores are calculated by scoring models using your full credit reports, vary by model and bureau, and may differ from any estimate.
Can I get my credit reports and dispute errors for free?
Yes. You can get free credit reports at AnnualCreditReport.com, and you have the right to dispute inaccurate information directly with the credit bureaus at no cost. The free version of the app explains how the process works, and Premium adds letter templates and a guided walkthrough.
How is my information protected?
Your data is encrypted in transit and protected by access controls so that only you can see what you enter. We don't sell your personal information and we don't show ads. Read the Privacy Policy for details.