Hunt down credit errors.
Reclaim your score.
Same legal firepower as Lexington Law and CreditRepair.com. One-third the price. AI parses your credit report, drafts FCRA-compliant dispute letters tuned per tradeline, tracks the 30-day bureau response window, and auto-escalates round 2 the moment a bureau verifies instead of corrects.
$1 for 7 days, then $29.95/mo — or $299/year (save $60). Cancel anytime.
How CreditCougar Works
A precise, data-driven approach to improving your credit score.
1. Upload Report
Securely upload your credit report from any bureau. We extract all tradelines and identify negative items automatically.
2. Generate Letters
AI ranks disputes by impact and generates FCRA-compliant letters with specific legal arguments. Print and mail them on your schedule.
3. Track & Repeat
Log which letters you've sent, track response deadlines, and trigger follow-up waves when it's time. Watch your score improve.
Real Results
Join thousands who have successfully repaired their credit.
Sarah J.
+89 pts
"I had two medical collections I couldn't get removed for years. CreditCougar's wave 2 letter finally got them deleted."
Michael T.
+124 pts
"The dashboard makes it so easy to see exactly what's dragging my score down and the exact steps to fix it. Worth every penny."
David R.
+67 pts
"Professional, clean, and effective. It's like having a credit repair attorney, but I'm in full control of the process."
Save up to $1,464 a year
Same outcome as the big names — for a fraction of the price, and with AI doing the strategy for you.
| Feature | CreditCougarBest value | DisputeBee | Lexington Law | CreditRepair.com |
|---|---|---|---|---|
| Monthly price | $29.95 | $49 | $99–$140 | $80–$120 |
| Trial | $1 · 7 days | No trial | Full bill | Full bill |
| AI-picked dispute strategy | ✓ | ✗ | ✗ | ✗ |
| FCRA letters auto-generated | ✓ | ✓ | ✓ they mail | ✓ they mail |
| Unlimited AI credit coach | ✓ Claude AI | ✗ | Phone (M–F) | Phone (M–F) |
| $-specific score-lift plan | ✓ | ✗ | ✗ | ✗ |
| Cancel anytime, no contract | ✓ | ✓ | ✓ | ✓ |
| You stay in control of your file | ✓ | ✓ | ✗ they file | ✗ they file |
Competitor prices as publicly listed on each company's pricing page. Features based on their current marketing copy. Annual cost = monthly price × 12.
Simple, Transparent Pricing
Pick the plan that fits. Cancel anytime — no hidden fees.
Try it for $1
then $29.95/mo · cancel anytime
- Everything in CreditCougar
- 7-day low-risk preview
- Cancel before day 7 = refund of the $1
$299 / year
paid yearly · $359.40 at monthly rate
- Everything in CreditCougar
- Lock in lowest price
- $60.40 saved vs monthly
- Cancel anytime; access continues through prepaid period
Both plans include
Stripe checkout · 256-bit encryption · we never see your card details