CreditVector is
free to use today.
The consumer product reads your reports, explains what is on them, and drafts the dispute letters you review and mail yourself. All of it, to every account, at no cost — and no card is required to start.
CreditVector is free to use today.
There is no plan to choose and nothing to buy. Every consumer account gets the same product — the whole product — and no card is required to open one.
What you get
All of it, to every account. Nothing on this list is held back, metered, or unlocked by anything.
Reading your reports
- Upload your Equifax, Experian, and TransUnion reports and see them in one place
- Uploading a report never triggers a credit pull or a hard inquiry
- Every account read, compared across bureaus, and explained in plain English
- An identity check against the names, addresses, and employers on your file
Disputing what you believe is inaccurate
- Dispute letters built from reviewed templates and from the facts you confirm yourself
- You read, edit, approve, print, and mail every letter — nothing is sent for you
- Each letter cites the rights it relies on, so you can check the citation yourself
- Follow-up rounds when a bureau responds, drafted the same way
Keeping track
- Mission Control — the whole case on one screen
- A timeline of what you sent, when you sent it, and what came back
- A score tracker for the numbers you record yourself
- Academy: what the Fair Credit Reporting Act actually says, in plain English
No card required, because there is nothing to charge it for.
If you paid for a consumer plan before
Nothing was taken away and nothing was deleted. Your billing history and your past plan are preserved on your account, and any letter credits from a past purchase are preserved on your account as well. They are held as a record rather than spent, because the letters they used to pay for are no longer charged for. Your payment settings, receipts, and cancellation all still open in the Stripe billing portal from your billing page.
Working with clients rather than your own file?
A separate product for agencies and businesses exists and is used by existing operators. It is not a consumer plan and it is not something a consumer account upgrades into — different product, different users. New signups for it are paused, so there is nothing to sign up for here and no price to quote.
CreditVector is educational software, not a credit-repair organization, and does not provide legal advice. Guidance here is grounded in the Fair Credit Reporting Act; no deletion, correction, or score improvement is guaranteed. You review and mail your own letters and stay in control.
Common questions
What does CreditVector cost me?
Nothing. The consumer product is free to use today — there is no plan to pick, no card to enter, and no paid tier held back behind what you can see.
Is there a paid version with more features?
Not for consumers. Every consumer account gets the same product; nothing is reserved for a higher tier, because there are no tiers. A separate product for agencies and businesses exists, but it is a different product with different users, and new signups for it are paused.
I paid for a plan before. What happened to it?
Your record of it is preserved. Your billing history, your past plan, and any letter credits you bought are all still on your account and visible on your billing page, and your payment settings still open in the Stripe portal. Nothing was deleted. What changed is that none of it is needed any more — the product no longer charges consumers, so those credits are held rather than spent.
Does CreditVector guarantee results?
No, and no one legally can. CreditVector is software and education. It helps you exercise rights you already have under the Fair Credit Reporting Act; the bureaus and furnishers decide every outcome, and information that is accurate cannot be removed by disputing it.
If it's free, what is the catch?
You do the work. CreditVector reads your reports and drafts letters from what you confirm, but you review every letter, you sign it, and you mail it at your own cost. It does not act on your behalf, it does not contact the bureaus for you, and it is not a credit-repair organization.