1
Connect your report
Securely link your credit profile. Subefy pulls all three bureaus and highlights exactly what's hurting your score. Soft pull — it never affects your score.
2
Approve your letters
Our AI drafts dispute letters for every error it finds. You review, sign, print, and mail them certified — we track every deadline and delivery.
3
Watch it climb
Track responses, removals, and score changes in real time. Bureaus must respond within 30–45 days. Get alerts the moment something improves.
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