Your credit, rising.
Subefy pulls your 3-bureau report, finds the errors dragging your score down, and drafts AI-written dispute letters for you to mail — then tracks every certified-mail delivery and change on your report.
Free to start
No credit check to join
Everything your score needs, in one app
Challenge what’s wrong. Build what’s missing. Understand all of it.
AI dispute engine
Subefy scans your report for errors, duplicates, and outdated items — then writes bureau-ready dispute letters in seconds.
3-bureau report & score
See your full Equifax, Experian, and TransUnion picture in one clean dashboard, refreshed regularly.
Certified-mail tracking
We tell you exactly what to mail and track every certified-mail delivery for you.
Score simulator
Ask "what if I pay this card down?" and see the estimated impact before you spend a dollar.
Credit builder path
No credit history? Start from zero with guided steps that report positive payments to the bureaus.
Truly multilingual
The whole app, your letters, and human support — in English, Spanish, and more. Credit finally speaks your language.
Three steps to a stronger score
Most members send their first dispute letter in under 10 minutes.
Connect your report
Securely link your credit profile. Subefy pulls all three bureaus and highlights exactly what’s hurting your score.
Approve your letters
Our AI drafts dispute letters for every error it finds. You review, sign, print, and mail them certified — we track the deadline.
Watch it climb
Track responses, removals, and score changes in real time. Get alerts the moment something improves.
Start free. Upgrade when you’re ready.
No contracts. No hidden fees. Cancel anytime.
- Credit report snapshot at signup
- Personalized action plan
- 1 dispute letter per year
- Credit builder tools & tracking
- Positive payment reporting
- Score monitoring & alerts
- Unlimited AI dispute letters
- Certified-mail tracking built in
- Monthly 3-bureau refresh
- Score simulator & alerts
- A dedicated human credit coach
- 1-on-1 strategy sessions
- A game plan built around your goals
Members who watched it climb
"Subefy showed me exactly what was on my report and what to dispute. For the first time I actually understood my credit."
"Everything in Spanish — the app, the letters, the support. It’s the first time I actually understand my own credit."
"I started with no credit history at all. Six months on the Builder plan and I qualified for my first car loan."
"Subefy showed me exactly what each account was doing to my score and gave me a clear plan to build it. I finally felt in control of my credit."
"The app explained my report in plain English — things I'd stared at for months and never understood. Now I know exactly what to work on."
"The lessons and the what-if tool made credit make sense for the first time. I could see how each move might help before I made it."
"Support answered in Arabic. My father finally understood his own credit report — that alone was worth it."
"Rent reporting added two years of history I had already earned. My file finally looks like my real life."
"Started with no file at all. Four months on Builder and I qualified for my first card — approved on my lunch break."
Questions, answered
No. Subefy is a credit-building and education app — we help you build, monitor, and understand your credit. Disputes are a free tool you control: you review and send every letter yourself, and we never charge for disputes.
No. Checking your own credit through Subefy is a soft pull, which never affects your score. Disputing errors doesn’t hurt your score either.
Bureaus must respond to disputes within 30–45 days. Many members see first results in their first cycle, but every report is different and results vary.
Yes. Your data is encrypted in transit and at rest with bank-level security. We never sell your personal information.
Absolutely. There are no contracts. Upgrade, downgrade, or cancel from the app in two taps — no phone call required.
Your score has somewhere to be. Up.
Join Subefy free today. See your report, get your plan, and send your first dispute this week.