Fix your credit your way, starting with a free Deep Audit.
Start with a free Deep Audit of your credit file. See exactly what’s holding your score back, then choose who fixes it: CoolCredit, or a vetted partner you hire yourself.
Consult with multiple partners, then choose
Your identity stays private until you hire
Deep analysis complete.
Equifax file read line by line · 100%
9 tradelines readchecked, no issuesReadyYou earned +2,550 pts — they’re yours to keep. Added to your wallet.
Start with the audit. Then choose who fixes it.
Our Deep Audit reads your file line by line and flags everything the bureaus and the companies reporting you can’t prove. Then you decide who works it.
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Get your free Deep AuditEvery item checked against FCRA and FDCPA rules.
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Consult with multiple partnersMessage or call vetted partners, free, through CoolCredit. Compare their answers side by side.
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Hire the one that fitsOnly the partner you hire gets your full file. Not working out? Switch anytime.
Your data stays private until you decide to connect. See how this works →
Browse & choose your pro
Verified, rated, readyEvery partner is vetted before they’re listed. Consult with as many as you need.
4.64.44.3- Licensing confirmed before listing
- Ratings pulled from real customer reviews
- New partners assessed as they're added
Everything you need to fix and build your credit
The same AI engine and expert support the CoolCredit app is known for, now with the freedom to bring in outside help if you ever want it.
Deep Audit
A line-by-line audit of your file, a finding for every negative item, and a plan to clear it.
Dispute Strategy
AI and credit experts work together to build effective dispute strategies, generate tailored letters, and track every step until resolution.
Resolved
Expert Assist
Connect with dedicated credit specialists for guidance, answers, and support throughout your credit improvement journey.
Positive Reporting
Add eligible Booster trade lines to your credit profile and strengthen the foundation of a healthier credit score.
Fix it yourself, or let an expert handle it
One audit, two ways to run it. Let CoolCredit run your repair, or hire a vetted partner. Your Deep Audit powers both.
AI + Real Experts
Repair with CoolCredit
The bureaus count on people getting tired and giving up. Our machine doesn’t know how — and it starts today, with nothing for you to write or mail.
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Re-audited after every responseEach time a bureau or creditor replies, CoolCredit AI re-reads your whole file and sharpens the case for the next round.
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Bureaus and creditors, bothWe challenge the bureaus and the companies reporting you — if they can’t prove an item, it comes off.
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Real experts on callAI runs the work, but a credit expert is one message away whenever you want to talk it through.
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Watch it happen liveEvery letter sent, every answer received and every removal shows up on your dashboard as it happens.
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No big upfront feePay as you go and cancel anytime — and your plan payments are reported, so they build your credit too.
Use one of our repair partners
Bring in a pro to run point. Compare vetted credit-repair companies by rating, focus, and intake terms. Then reach out to the one you choose.
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Only the best listedEvery company here is vetted by CoolCredit and fights for clients every day — no Google gamble.
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Talk before you decideAsk any partner anything, free, through CoolCredit, before you commit to anyone.
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Every conversation on recordAll messages and calls run through us, so partners are held to a higher standard than the open market.
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Your details stay hiddenYour name, address and account numbers are never shared until you choose to hire one.
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We’re still here afterNot working out? Report them, switch partners or come back to CoolCredit — you’re never on your own.
One audit. Every option, side by side.
Compare CoolCredit’s own repair with vetted partners, and talk to as many as you like before you hire. Sponsored placements are clearly labeled so you always know what you're looking at.
Comparing is free. When you contact a company, they see a summary of your negative items only: no name, no SSN, no report. Your full file goes only to the company you hire. Sponsored placements are always labeled. How this works →
Repairing your credit is just the first step
CoolCredit doesn't stop at repair. Once we understand your full credit picture, we guide you to the next right move, so you keep building, not just fixing. Each step is matched to where you actually are.
Fix & build credit
Analyze your report, dispute inaccuracies, and add positive reporting to lift your score.
YOU'RE HERE
Tax resolution
If we spot tax liens or back-tax debt weighing on your file, we'll connect you with vetted tax-relief help.
REVIEWED PARTNER
Debt consolidation
Managing several high balances at once? We'll point you to a path that simplifies them into one manageable plan.
REVIEWED PARTNER
Revolving credit line
Once your score qualifies, access a CoolCredit builder card or credit line to keep momentum going.
COOLCREDIT
We only suggest a next step when your profile actually calls for it - no upsells you don't need. Some paths are served by reviewed partners, who may pay a referral fee. It never changes your price.
Build, repair, boost your credit, your way
Deep Audit, dispute strategy, monthly progress, and positive reporting, with AI and experts handling what slows you down. A clear view of your progress, at every step.
Our AI reads these to write and file your disputes.
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