Is Subefy a credit repair company?
No. Subefy is a credit-building and education app — we help you understand your credit, build it, monitor all three bureaus, and get mortgage-ready, in your language. You can also dispute inaccurate information yourself, for free, under the FCRA — you stay in control and review everything.
Will using Subefy hurt my score?
No. Checking your own credit through Subefy is a soft pull, which never affects your score. Disputing errors doesn't hurt your score either.
How fast will I see results?
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.
Is my data safe?
Yes. Your data is encrypted in transit and at rest with bank-level security. We never sell your personal information.
Can I cancel anytime?
Absolutely. There are no contracts. Upgrade, downgrade, or cancel from the app in two taps — no phone call required.
Do you work in my language?
Yes — the app, your dispute letters, and support are available in English, Spanish, Portuguese, French, Chinese, Vietnamese, Korean, Tagalog, Hindi, and Arabic.
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