Know your file before your lender does.
The credit file your lender sees, taken apart line by line — in 72 hours.
Upload your credit reports. Three are required; we review up to eight. You get back a written analysis of every item, a 60-day plan, every dispute letter drafted and ready to sign, and a workbook to track responses. You send the letters. We prepare everything else.
One price. No monthly subscription. Delivered in full at purchase, not paid for in advance and performed later. Not ready to buy? Pull your reports yourself first; every link is free.If someone who wants your deal to close sent you here, that's a good sign. They've seen this work. You'll see it on your own kitchen table in three days.
Two ways people arrive here
Your lender or agent sent you
Something on your credit file is holding up an approval, and someone who wants your deal to close pointed you here. You don't know what's on the file yet. In 72 hours you will, with every letter drafted and the order to send them in.
Start your analysisYou're a broker, agent, attorney or dealer
You lose deals every month to files nobody has actually read. Refer the buyer, they pay us directly, and in 60 days they're back in front of you with a file they can explain line by line. There's no cost to you and no contract to sign.
Set up a referral linkHow it works
The whole engagement is four steps. Three are ours. One is yours.
Upload, preview, choose
Pull your reports free and upload the PDFs. The preview shows the counts of what was found before you pay. Then choose a package ($199, $399 or $747, paid once). One slot per file; we read each one on its own and then across the set.
We analyze the file
Every tradeline, inquiry, public record and personal-information entry on all three reports is checked for inaccuracy, inconsistency across bureaus, and reporting errors you can act on.
You receive the package
Within 72 hours: the written analysis, a 60-day execution plan in order, dispute letters drafted for each bureau and furnisher, and a tracking workbook.
You send. We support.
You review, sign and mail the letters certified. Questions go to support by email and get a reply within one business day, through day 60.
Your credit. Your decision. Your move.
Your credit file is your financial future. Don't put it in someone else's hands.
What the package looks like
Three of the screens you'll work from. No score dial, no promises — counts, letters and dates.
Your package is ready, Marisol.
Delivered 11 September 2026 · 71 hours after your last upload
Experian · Equifax · TransUnion · Innovis · LexisNexis · ChexSystems
- 47 items reviewed across 6 files
- 9 items identified for dispute
- 3 items that differ between bureaus
- 35 items accurate and left alone
9 drafted · 0 mailed · 0 responses
Drafted for you. Reviewed, signed and mailed by you.
- Personal information correction — Experian Ready for your review
- Duplicate account inquiry — Experian Ready for your review
- Collection reinvestigation — Equifax Ready for your review
- Furnisher direct dispute — Meridian Recovery Ready for your review
- Address correction — LexisNexis Ready for your review
Read every line before you sign. Check names, account numbers, dates and amounts against your own records.
| Letter | Mailed | Response due | Outcome |
|---|---|---|---|
| 1 | 13 Sep | 15 Oct | — |
| 2 | 13 Sep | 15 Oct | — |
| 3 | 13 Sep | 15 Oct | — |
| 4 | Not yet mailed | ||
Bureaus have 30 days from the date they receive your dispute. Certified mail gives you the receipt date.
Sample package. Names, items and dates are illustrative; every package is built from the reports you upload. Deliverables are generated with AI and must be verified by you before you sign or mail anything.
What arrives in 72 hours
Credit file analysis
A written, item-by-item review of all three reports: what's there, what doesn't match across bureaus, what's inaccurate or unverifiable, and what is accurate and should be left alone.
60-day execution plan
The order to do things in, with dates. Which letters go first, what to expect back and when, and what to do with each response.
Dispute letters, drafted
Every letter to every bureau and furnisher, written to the facts in your file and citing the applicable sections of the Fair Credit Reporting Act. You review, sign and send.
Tracking workbook
A spreadsheet with every item, every letter, mailing dates, response deadlines and outcomes, so you always know where each dispute stands.
Mailing instructions
Exactly how to send by certified mail, what to keep, and how to read the green card when it comes back.
Email support to day 60
Reply within one business day for questions about your plan, a bureau response, or what to do next.
One price, paid once. Three sizes.
Every package reads your files line by line and marks each item dispute, verify-first, or leave alone, with the reason. The difference is how many files, and whether the letters are drafted. Whatever you pay on a smaller package is credited toward a larger one for 60 days.
Three-File Analysis
The read without the letters. Experian, Equifax and TransUnion compared line by line; every item marked with the reason. A written analysis you can take to your loan officer.
Start with the analysisThree-File Package
The analysis plus everything needed to act on it: 60-day plan, a drafted letter for every item, tracker, mailing instructions, email support through day 60. You review, sign and send.
Start with three filesEight-File Package
The full package across all eight files, including the ones the lender's vendor and the bank's fraud desk read: Innovis, LexisNexis, ChexSystems, Early Warning, NCTUE.
Start with eight filesFounder's pricing: code FOUNDERS2026 takes $48 off at checkout, $699 instead of $747. It's filled in for you on the start page.
Pull your reports first. The start page walks you through downloading each one free, then choosing a package. Reports must be PDFs dated within 30 days. Upload them first and the free preview shows how many items were reviewed, how many are identified for dispute, how many differ between bureaus and how many are accurate, before you pay anything. Once you purchase, generation starts and the sale is final.
Not ready for a package? The Six Lines ($7) is the short guide to what makes a letter a dispute. The QualifyReady Handbook ($37) is the do-it-yourself version in three acts: the read, the letters, the twelve months and the ninety days before you apply, delivered as a digital edition and a print edition. Both are publications, not services, and both are credited toward any package for 60 days.
Not sure yet? Pull the free reports first and come back when you've seen what's there. We'll be here, and the price won't have changed.
Against the monthly model
Most credit repair services bill by the month until you cancel. In one survey of people who had paid for credit repair, 41% stayed six months or longer and about a third paid more than $750 in total.† The total is the number people don't see at signup.
| Typical monthly service* | QualifyReady | |
|---|---|---|
| Price | $79–$149 per month | $199–$747, once |
| Duration | Until you cancel; 41% of surveyed clients stayed 6 months or more† | 60 days |
| Total cost | The monthly fee times every month you stay; about a third of surveyed clients paid over $750† | What you paid on day one |
| First deliverable | Rolling, a few disputes per month | Entire package in 72 hours |
| Who sends the letters | They do, on their schedule | You do, on yours |
| Cancel to stop paying | Yes | Nothing to cancel |
*Ranges reflect publicly advertised pricing for subscription credit repair services as of September 2026 and are subject to change. QualifyReady is not affiliated with, endorsed by, or sponsored by any of them. †FinMasters survey of 500 people who had paid for credit repair, conducted October 2019 (self-reported; 31% stayed 3 to 5 months, 23% 6 to 9 months, 18% 10 months or more; 32% paid over $750 in total).
For mortgage brokers, agents, attorneys and dealers
Every stalled file is a commission you already earned and can't collect. Send the buyer here.
The buyer pays us directly. Within 72 hours they're working a plan. At day 60 you're looking at a file that's been through every fixable item. You never touch the paperwork and you never pay us anything.
You get a referral link that tracks which buyers came from your office, and a one-page explainer you can hand to a buyer or attach to a pre-qual decline.
Coming later this year: a white-labeled version of the analysis engine licensed to your office at a flat monthly rate, so your team runs it under your own name.
Questions people ask before paying
Is this a credit repair company?
You're asking because you've seen the ads and the lawsuits, and it's the right thing to ask. No. QualifyReady is a credit file analysis and document-preparation service: we read your files, write the analysis, the plan and the letters, and hand them to you. We don't contact a bureau, a collector or a creditor in your name, and we don't send anything. You do. If you want someone to take the letters out of your hands, we're the wrong service; if you want them drafted and in your hands in 72 hours, that's the package.
Can you guarantee my score will go up or an item will be removed?
You want a number before you spend one, and that's fair. No, and be wary of anyone who says yes. What moves depends on what's actually in your file, how the bureaus and furnishers answer, and whether the letters get mailed. What we can promise is narrower and real: every item on every file you upload gets read, every one you can act on gets a drafted letter, and you'll know the order to send them in. If that's the promise you were hoping for, start with the free reports and see what's there before you pay.
Why do I send the letters myself?
It sounds like more work, and for about an hour at a post office counter it is. A dispute under the Fair Credit Reporting Act carries the most weight when it comes from you, by certified mail, with a green card that starts the bureau's thirty-day clock. It also means nobody is standing between you and your own file, and nothing on that file ever shows a third party acting for you. Calvin lays out the four things a bureau then owes you in his January piece; the mailing instructions in your package cover the rest.
What's the difference between the three packages?
How many files, and whether the letters are drafted. The Three-File Analysis ($199) is the read on Experian, Equifax and TransUnion, every item marked with the reason, no letters; people take it to their loan officer. The Three-File Package ($399) adds the 60-day plan, a drafted letter for every item, the tracker and mailing instructions. The Eight-File Package ($747) does the same across all eight files, including the ones the lender's vendor and the bank's fraud desk read. Whatever you pay on a smaller package, or on either e-book, comes off a larger package for 60 days; email support to apply it.
Where do I get my credit reports?
Free, from the bureaus themselves, before you pay. The start page walks through it: Experian, Equifax and TransUnion at annualcreditreport.com, and the five other files from each company's own site. Download the PDF from the report page; screenshots and monitoring-app summaries can't be read. Reports must be dated within 30 days.
What are the e-books?
Two publications, not services. The Six Lines ($7) is the short guide: what makes a letter a dispute a bureau has to act on, the certified-mail checklist, the seven-year clock, the freeze rule, and the viral "hacks" with the section of law that ends each one. The QualifyReady Handbook ($37) is the do-it-yourself version of the package in three acts (Restoration, Renewal, Acceleration): the tagging worksheet, eight fill-in letters, the 60-day, 12-month and 90-day calendars, the tracker, the eight files, the Danger Zone, and a chapter on when to stop; delivered as a digital edition for phone and tablet and a print edition for your printer. Neither reads your file. Either price is credited toward any package for 60 days.
How is the analysis produced?
The analysis, plan and letters are generated with the help of AI systems working from the reports you upload, then reviewed before release. AI output can be wrong, so you're asked to verify citations, dates and figures before you sign anything. This is spelled out in the terms.
What happens at day 60?
You're wondering whether you'll be on your own after the letters go out. Support runs by email through day 60, one business day per reply, for questions about your plan and about whatever the bureaus send back. At day 60 you re-pull your files and compare them to the package, item by item; Jenavieve walks through that morning. If something's still open, a second pass is available then. Most people don't need one.
Does my broker see my credit reports?
No. Your reports and your package go to you. Your broker only knows you were referred, and only if you came through their link.
What's the refund policy?
You can upload and see the preview before you pay: the counts of what was found, no item names. Buy with that on the screen, or don't. Once you purchase, generation begins immediately and the sale is final, because the deliverables are custom-built from your file.
What you should know before purchasing
QualifyReady is an educational analysis and document-preparation tool. It is not a credit repair organization, credit services organization, law firm, debt-settlement company, or financial adviser. It does not contact any consumer reporting agency, furnisher, collector or creditor on your behalf, and it does not send, sign, mail, file or submit anything for you. You are the sole actor; every decision to send, dispute, pay or apply is yours.
You have the right to dispute inaccurate information in your credit report directly with the consumer reporting agencies, at no cost, without using any service. Nothing here can lawfully remove accurate and timely information from a credit report, and no result is promised.
The full price is charged at checkout and the complete deliverables are made available at purchase or within the stated delivery window. No portion of your payment is a fee for services to be performed in the future.
Deliverables are generated in whole or in part by artificial-intelligence systems operating on the information you supply. AI output can be incomplete, outdated or wrong. Review every document and verify every citation before acting. Nothing in the deliverables is legal advice.
Terms of Service and Privacy Policy
The complete terms, including the refund policy, limitation of liability and arbitration provision, apply to every purchase.