How It Works, Step by Step

Six steps, all in writing. You always know what happens next, and what it costs, before it happens.

  1. Get Your 3-Bureau Report

    We work from a MyFreeScoreNow 3-bureau report, so we can compare what each bureau shows. You can enroll with an SSN or an ITIN.

    Step one is your 3-bureau report from MyFreeScoreNow, an independent company: $39.90 a month, billed monthly by MyFreeScoreNow, not by Aleylin. You can cancel by calling MyFreeScoreNow or in your MyFreeScoreNow account settings. Aleylin earns a commission if you enroll. Free reports are also available at AnnualCreditReport.com.

  2. Tell Us You Enrolled

    Message us on WhatsApp or email us, and we'll tell you how to share your report safely.

  3. We Review Your Report

    We go through each account and note what may be inaccurate, incomplete or unverifiable. These are observations, not legal conclusions. If we don't see anything we can help with, we'll tell you. We confirm your eligibility at this point.

  4. You Receive a Written Quote

    Before you decide, you'll receive a written quote showing the proposed work and its price. The total of your quote is the most you can be charged. Nothing is due when you receive it.

  5. You Sign Your Agreement

    You sign your written agreement. You then have 3 business days to cancel (longer if your state requires it). We don't mail anything during that time.

  6. We Prepare and Mail Your Letters

    Your letters are written in your name and mailed with proof of mailing, and we go over the responses with you as they arrive.

How You Pay

Here is how payment works, as your written agreement says:

  • Your first work fee is charged only after your cancellation period ends and all of your first-round letters have been mailed with proof.
  • After that, a work fee is charged only in a month when that month's letters were mailed with proof. No letters that month, no fee.
  • You never pay more than the total of the quote you accepted.
  • Your agreement explains how you pay. You're charged only when a fee is due.
  • MyFreeScoreNow bills you directly for your report. It is never part of Aleylin's fees.

Prefer to Do It Yourself?

You have the right to dispute inaccurate information directly with the credit bureaus at no cost. Our free guide shows you where to start.

Start With Your Report

Step one is your 3-bureau report from MyFreeScoreNow, an independent company: $39.90 a month, billed monthly by MyFreeScoreNow, not by Aleylin. You can cancel by calling MyFreeScoreNow or in your MyFreeScoreNow account settings. Aleylin earns a commission if you enroll. Free reports are also available at AnnualCreditReport.com.

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