You can do it yourself
You have the right to review and dispute inaccurate information directly with consumer reporting agencies at no cost.
Start here
Choose the starting point that fits what you need today.
You do not have to understand every service or commit to a program. Compare four simple paths and decide at your own pace.
Before you choose
Three things you should always know.
Accurate information remains
No company has the right to remove accurate, current, and verifiable information simply because it is negative.
Results vary
Your file, habits, and lender decisions are individual. No one can promise a number or an approval.
Option 1
I want to learn for free without opening an account.
Free Credit Education From Aleylin
Start with bilingual explanations of reports, scores, rights, disputes, and credit building. You do not need to buy anything, open a third-party account, or share your SSN or ITIN to use these resources.
Option 2
I want to see and track all three bureaus.
Three-Bureau Monitoring · $39.90/month
View reports and educational scores from Experian, Equifax, and TransUnion, track changes, and receive alerts. This option may provide the foundation for a fuller credit review.
Three-bureau access is a separate paid MyFreeScoreNow service. MFSN sets the price, bills you directly, and manages its terms and cancellation. Review everything before enrolling. Educational scores may differ from the FICO® scores a lender uses.
Option 3
I want hands-on support with my file.
Done-For-You Service · $500 Initial File Work + separately authorized $300 rounds
Initial File Work is offered under a separate written agreement with a fixed total price of $500. If additional work is appropriate and you choose to continue, each later round requires a new written agreement with its own scope and fixed total price of $300. An invoice may be issued only after the agreement’s work is fully performed and documented and any additional condition applicable to payment is satisfied.
Nothing is due at signing. There is no deposit, automatic continuation, or monthly billing. You do not purchase future rounds in advance — each one requires its own new written agreement, and you have no obligation to authorize another round. Monitoring is separate.
Availability depends on your state of residence and is offered only where Aleylin has completed the applicable requirements. Eligibility is confirmed before an agreement is offered; Georgia is never eligible. No deletion, score increase, approval, outcome, or timeline is guaranteed.
Option 4
I want to manage my own process with software.
Butterfly Credit Tool™ · Private beta
A bilingual, self-guided platform built for both SSN and ITIN users. You review your own information, you choose what to dispute, and you submit your own disputes.
There is no Aleylin software fee and no monthly software subscription. Participation requires enrolling in the designated MyFreeScoreNow monitoring plan — $65.99/month, no trial — which MFSN bills you directly under its own terms. Aleylin may receive an affiliate commission if you enroll through our link, at no additional cost to you.
Software and education — not professional representation under power of attorney, and no deletion, score increase, or outcome is guaranteed.
Still unsure?
Tell us your goal, not the name of a service.
Keyla can help you understand which of these four paths deserves your attention. Asking a question does not obligate you to buy anything.