Upload your credit report. ScoreSentry finds the accounts, late payments, collections, and inconsistencies across bureaus — then builds the dispute letters to fix them.
Upload your Experian, Equifax, and TransUnion reports. ScoreSentry organizes open accounts, collections, charge-offs, late payments, and hard inquiries — and flags anything that looks inconsistent across bureaus.
Select any item you believe is inaccurate. ScoreSentry generates a properly formatted dispute letter — personal info disputes, collection challenges, late payment errors, duplicate accounts, date discrepancies. Never guess what to say again.
Track every letter you send — date, bureau, mailing method, response deadline, and result. Most people forget what they sent and when. ScoreSentry keeps the timeline so you never miss a follow-up window.
Enter your card balances and limits. ScoreSentry shows your current utilization, your target balance, exactly how much to pay down, and which cards to prioritize. Utilization is the fastest lever on your score — and it's entirely in your control.
Get a personalized monthly checklist: pay down utilization, avoid new inquiries, set autopay reminders, follow up on disputes, review updated reports. A structured plan beats vague advice every time.
Select your target — apartment approval, car loan, mortgage prep, credit card, business funding. ScoreSentry maps a timeline and checklist specific to your goal. Know exactly what to prioritize and when.
Drop in your free credit reports from AnnualCreditReport.com. ScoreSentry reads all three bureaus — Experian, Equifax, TransUnion — and organizes every account, collection, and inquiry in one view.
ScoreSentry flags accounts that appear inconsistent across bureaus, collections that may lack proper documentation, and items that qualify for dispute. You decide what to challenge — nothing is auto-disputed without your approval.
Pick the items to dispute, generate properly formatted letters, mail them yourself (it's free), and track every deadline in your dashboard. Follow up when the windows open. Build the habit that builds the score.
ScoreSentry is a document generation and organization tool — not a credit repair organization. We do not promise removals, guarantee results, or charge for outcomes. The FTC's FCRA gives you the right to dispute inaccurate information; ScoreSentry helps you do it correctly.
See what ScoreSentry can do for you.
For people actively working on their credit.
For serious credit builders and goal-chasers.
50 Plus users + 14 Pro users = $716/month — no sales calls, no contracts, no promises.
ScoreSentry is built for consumers who want clarity, not promises. Upload your report, know what to fix, generate the right letters, track every deadline — and build the credit you actually deserve.