Dispute credit report errors in 3 clicks.
Get your real Equifax, Experian, or TransUnion report, upload it, choose what's wrong, and Shift.credit prepares the dispute packet for your review.
Stripe securely charges $3 today to start your $3 5-hour trial. After the 5 hours end, Stripe begins your selected plan billing unless you cancel first.
3 clicks
Dispute prep flow
3 bureaus
Draft letters
Email + SMS
Alert channels
Primary flow
Download. Upload. Dispute.
Built for the user who wants the fastest path from a real bureau report to review-ready dispute letters.
Step 1
Get your report from Equifax, Experian, or TransUnion
Step 2
Upload the PDF or account screenshots into Shift.credit
Step 3
AI highlights suspicious accounts and likely errors
Step 4
Approve your packet before download
Start with your real report from Equifax, Experian, or TransUnion.
The simplest route is AnnualCreditReport.com, the official joint source for all three nationwide bureaus. Once you download a PDF or save each account screen as screenshots, upload it using the dispute wizard after you start your paid trial in Shift.credit to scan and start your dispute.
Download your bureau report first, then create an account and start your $3 5-hour trial to upload it.
Equifax
Get your Equifax report
Use Equifax's free reports page or the joint official source to download your current credit file.
After you download it or save screenshots from the account details page, come back and upload the file set using the dispute wizard after you start your paid trial.
Experian
Get your Experian report
Experian explains how to request your free report and links directly to the official annual report source.
After you download it or save screenshots from the account details page, come back and upload the file set using the dispute wizard after you start your paid trial.
TransUnion
Get your TransUnion report
TransUnion offers its annual credit report page and also points consumers to the official weekly report source.
After you download it or save screenshots from the account details page, come back and upload the file set using the dispute wizard after you start your paid trial.
Why it feels faster
The dispute flow is the product, not a buried feature.
Shift.credit is designed around the one thing users care about most: getting from credit report to approved dispute packet without extra friction.
1. Get your report
Start with a real Equifax, Experian, or TransUnion report from the official bureau source or AnnualCreditReport.com.
2. Select what's wrong
The AI scan highlights suspicious accounts so users can tap what to dispute instead of hunting manually.
3. Approve and download
Shift.credit drafts the bureau letters, but the user always reviews and approves before anything leaves the app.
Full SaaS system
More than dispute letters, but always centered on the dispute flow.
Subscriptions, billing, alerts, manual score tracking, family profiles, and admin analytics are all wired around the core experience.
Upload and mask
PDF and image reports are ingested with OCR, then SSNs are masked before the analysis pipeline runs.
AI scan and highlight
Shift.credit identifies suspicious trade lines, possible duplicates, high balances, and late-payment inconsistencies.
Generate dispute packets
Choose the exact items to challenge, assign a reason, and generate review-required letters for each bureau.
Track alerts and renewals
Fraud alerts, score changes, tax reminders, plan usage, and billing events stay visible in one dashboard.
Pricing
Upgrade only when your dispute workload grows.
Every paid plan starts with a $3 5-hour trial. Stripe charges $3 today, then bills every 2 weeks after the trial ends unless the customer cancels first.
Starter
$9.99/2 weeks
- - $3 today for your first 5 hours
- - 3 reports every 2 weeks
- - 3 dispute packets every 2 weeks
- - Email alerts
- - Basic tax alerts
Pro
Popular$14.99/2 weeks
- - $3 today for your first 5 hours
- - 10 reports every 2 weeks
- - 10 dispute packets every 2 weeks
- - Credit score tracking
- - Email + SMS alerts
Premium
$34.99/2 weeks
- - $3 today for your first 5 hours
- - Unlimited reports
- - Unlimited disputes
- - Full alerts
- - Family profiles
- - Export reporting
Legal note
Shift.credit is not a law firm.
The platform helps organize disputes and paperwork, but it does not provide legal advice, does not act as a credit repair law practice, and cannot guarantee any reporting outcome. Users must review every dispute before download or submission.