PRICINGPriced like software. Not like credit repair.
Free to start. $14.99 one-time for a premium letter export. $29 one-time for the full AI audit. Memberships from $14.99 a month (Plus) to $29 a month (Pro). No $99 retainers. No lockups. No phone-tree cancellation.
All plans include
FCRA-aligned letter templates256-bit encryptionCancel anytimeFree
Start fighting inaccuracies today.
- Dispute Letter Generator (basic templates)
- 100MB Document Storage
- Community Access
- Credit Education Center
- Basic dispute tracking
No card required.
Plus
Everything serious credit-builders need.
- Everything in Free
- Monthly AI Credit Audit
- Unlimited Letter Templates (all 23 types)
- Full Credit Timeline
- 5GB Document Vault
- Certified Mail Tracking
- AI Credit Coach
- Monthly Action Plan
- Priority email support
14-day money-back guarantee.
Pro
The whole platform, business-grade.
- Everything in Plus
- Business Credit Roadmap
- Funding Readiness Assessment
- Advanced Analytics & Reports
- Family Credit Vault (up to 4 members)
- Premium Letter Templates
- Priority Support (chat + email)
- API Access (coming soon)
- Unlimited Storage
14-day money-back guarantee.
14-day money-back guarantee
Try Plus or Pro risk-free.
If the platform doesn't feel professional, we refund you. No questions. Free is always free — no card required.
Compare plans
Every feature, side by side.
A full breakdown of what's included at each tier. No asterisks, no surprises at checkout.
| Feature | Free $0/mo | Plus · Most popular $14.99/mo | Pro $29/mo |
|---|---|---|---|
| Disputes & Letters | |||
| Dispute letter generator | Basic | All 23 types | All 23 + premium |
| Unlimited letter templates | |||
| Premium letter templates | |||
| Certified mail tracking | |||
| Basic dispute tracking | |||
| AI & Coaching | |||
| Monthly AI credit audit | |||
| AI credit coach | |||
| Monthly action plan | |||
| Advanced analytics & reports | |||
| Storage & Family | |||
| Document storage | 100 MB | 5 GB vault | Unlimited |
| Full credit timeline | |||
| Family credit vault | Up to 4 members | ||
| Business & Advanced | |||
| Business credit roadmap | |||
| Funding readiness assessment | |||
| API access (coming soon) | |||
| Support | |||
| Community access | |||
| Credit education center | |||
| Priority email support | |||
| Priority chat + email support | |||
| Start free | Start with Plus | Go Pro | |
FAQ
Pricing questions, answered.
Can I cancel anytime?
Yes. Cancel Plus or Pro from your dashboard in one click — no phone tree, no retention specialist, no waiting period. You keep access through the end of your billing cycle.
Do you offer a money-back guarantee?
Every paid plan comes with a 14-day money-back guarantee. If Just Dispute IT doesn't feel like the right fit, email us and we'll refund you. No questions asked.
What's the difference between Plus and Pro?
Plus is built for consumers focused on personal credit — disputes, AI audits, coaching, certified mail. Pro adds the business credit roadmap, funding readiness, family vault, advanced analytics, and priority chat support for people building a credit profile for a household or business.
Is Just Dispute IT a credit repair company?
No. We're a self-service AI platform. You stay in control of every dispute — we just give you the tools, templates, and intelligence to act on your own behalf. We are not a CROA-registered repair organization, and we don't take a retainer.
Will my data and uploads stay private?
Everything you upload is encrypted in transit and at rest with 256-bit encryption. Your consumer vault is yours — you can export or delete it anytime from your dashboard.
Ready when you are
Start free. Upgrade when it pays off.
You can run a dispute today on the free plan. Move up to Plus the moment the AI audit pays for itself — which is usually right away.
Questions? support@justdisputeit.com