Meet your AI
credit agent.
Ryzefy reads your 3-bureau report, flags what is holding your score back, writes FCRA dispute letters, mails them certified, and tracks every response. You approve the moves. Your agent does the work.
Your whole credit file, one dashboard.
Scores from TransUnion, Experian, and Equifax with a monthly refresh. A paydown coach that shows what each dollar does before you spend it. Dispute rounds tracked from letter to mailbox to response. And when you have a question, Ask Ryzefy answers it from your actual file: your accounts, your scores, your disputes.
Three steps to take it back.
No phone calls, no confusing forms. Your agent reads your file, flags what looks wrong, and mails the disputes certified in your name.
Your agent reads your file
Connect once and it pulls your report from all three bureaus, then shows where you stand and what your score could reach.
It flags what's hurting you
Every account gets scanned for reporting errors and FCRA issues, ranked by impact and ready to dispute in one tap.
It mails certified and watches the clock
Letters go out by USPS Certified Mail with live tracking, and the 30-day response clock runs itself.
Real screenshots of the actual app. Estimates are not guarantees; results vary.
One plan. Everything in it.
- 60-second survey that builds your personal credit roadmap
- 7-day walkthrough of the real app on a sample credit file
- Free ebook: The 90-Day Credit Reset
- The full credit education library
- Reports and scores from all three bureaus, refreshed monthly
- Error scan across every account on your file
- Dispute letters drafted by your agent, unlimited rounds
- A dispute strategist that picks the best angle for each item
- Round tracking with response deadlines + live USPS tracking
- Ask Ryzefy: an AI assistant that answers questions about your file, not generic advice
- Score simulator and card paydown coach
- Legal fall-off timeline for every negative item
- Smart alerts when your file changes
- Everything in English and Spanish
Download and mail letters yourself at no extra cost. Or have them sent for you: certified mail with tracking is $15 per letter, first-class is $3.34 per letter.
Your file is sensitive. We treat it that way.
Encrypted end to end
Everything moves over TLS and is encrypted at rest. Your SSN gets an extra layer of application-level encryption on top.
Strict row-level access
Database rules enforce that your data is readable by exactly one account: yours. Verified with live security probes.
Never sold, never shared
Your data is used to run your disputes and nothing else. No selling, no ad targeting, no third-party sharing.
Yours to delete
Cancel and request deletion whenever you want. Your documents live in access-controlled storage until you say otherwise.
Know the system you are fixing.
Free, honest guides. No magic tricks, no credit sweep myths, just how scores and disputes actually work.
How Credit Scores Work
A plain-language guide to what a credit score is, the five things that shape it, and why your numbers can differ across the three bureaus.
Your Rights Under the FCRA
A plain-language tour of your core rights under the Fair Credit Reporting Act, including free reports, disputes, and how long negative information can stay.
Disputing the Right Way
How to dispute credit report errors responsibly and legally by focusing only on information that is inaccurate, incomplete, outdated, mixed-file, or unverifiable.