Start removing inaccurate negative items today
We challenge inaccurate late payments, collections, and inquiries across Experian, Equifax, and TransUnion with CROA-compliant disputes and fast-track processing.
Three levels. One honest approach to cleaning up your report.
Our membership plans are designed to help you remove inaccurate negative items from your credit reports.
Standard cleanup
Targets late payments and basic inaccuracies across all three bureaus. A practical starting point for reports with minor issues and no major collections.
Aggressive disputing
We go after inquiries, collection accounts, and bankruptcy entries. This tier is built for reports with heavier damage that need more than a surface-level pass.
Extreme validation
Full debt validation and priority processing. Every negative item is challenged with maximum legal scrutiny. This is the tier for anyone preparing to apply for a home mortgage or auto loan.
All-bureau coverage
We dispute across Experian, Equifax, and TransUnion simultaneously. No need to pick one. Every tier includes work on all three, because your score is only as good as the cleanest report.
24/7 portal access
Log in anytime to see which items have been disputed, what the bureaus have responded, and what's moving next. No phone tag, no waiting for a monthly update email.
Three tiers. One score that reflects the truth.
Pick the level of dispute work your report needs. Same CROA compliance across every plan, no hidden fees, no surprises.
Standard
Basic bureau disputes and late payment cleanup. A clean start.
$79
/moExperian, Equifax, TransUnion disputes
Late payment removal
24/7 client portal access
CROA-compliant process
Monthly progress updates
Aggressive
Targets inquiries, collection accounts, and bankruptcy entries.
$99
/moEverything in Standard
Inquiry dispute & removal
Collection account challenge
Bankruptcy entry disputing
Fast-track dispute cycles
Priority email support
Extreme
Comprehensive debt validation with priority processing throughout.
$149
/moEverything in Aggressive
Full debt validation requests
Priority dispute processing
Personal dispute strategist
Escalated removal timeline
Dedicated phone support line
That clean score feeling.
When inaccurate items fall off your report, the relief is real. Here is what our members tell us about working with 800CreditClub.
Seeing those late payments vanish from my report felt like a weight I didn't know I was carrying just lift off my shoulders.
Alex R.
Standard plan member
I had three collections dragging my score down for years. The Aggressive plan got them disputed and removed within four months.
Maria T.
Aggressive plan member
Clearing the inquiries opened up doors I thought were closed. I qualified for an auto loan six months after starting the Extreme plan.
James L.
Extreme plan member
Your credit score starts at 800CreditClub.
Three transparent tiers. Fast-track disputes across Experian, Equifax, and TransUnion. No hidden fees, no fine print—just a clear path forward.