Credit, finally in your language.

What we do

Subefy pulls your report from all three bureaus — Equifax, Experian, and TransUnion — and puts you in charge of it. Our AI finds the errors, duplicates, and outdated items dragging your score down and drafts bureau-ready dispute letters in seconds. You review and approve every letter; you print and mail it certified; we track every delivery and alert you the moment a bureau responds. No credit history yet? The Builder path reports your positive payments so your file finally reflects your real life.

Why we exist

Nearly one in five credit reports contains an error, and the dispute system meant to correct them was built for people with time, English fluency, and patience for paperwork. We started Subefy — from the Spanish sube, "rise up" — because the people who most need to build and correct their credit are the least served by that system. The whole product, your letters, and human support work in 10 languages.

How we're different

• You stay in control. Subefy is software you direct — every dispute is reviewed and approved by you.
• No promises we can't keep. We never guarantee a score increase or a deletion. Results vary; the law is the law.
• 100% online. No call centers, no appointments, no pressure. Start free, cancel in two taps.
• Every letter is one of one. Bureaus increasingly reject recycled template letters — ours are drafted per item, per report, per person, and you approve each before it mails.
• Transparent pricing. Free to start · Builder $5.99/mo · Plus $19.99/mo with your first month free. No $50/mo "monitoring" bundles, no cancellation maze — two taps and you're out.

Where we work

Subefy LLC serves all 50 states — 100% online. Questions? Contact us — we answer within 48 to 72 hours.