Your fresh start

Start one clean three-bureau sweep.

Create your private case for free. Credit Orchard keeps the reports, factual confirmations, legal issue spotting, evidence, approvals, and delivery record in one controlled flow.

Your first winSecure the case. Connect once. Confirm only the facts.
1Protect identity2Authorize access3Run the sweep

The direct in-app three-bureau connection is pending provider approval. Existing cases can still use the collapsed official-report backup, but Credit Orchard will not pretend an outside enrollment screen is the no-upload experience.

Start my free credit sweepNo card required to open your secure workspace.
What you can count onClear choices. No surprise action.
  • You approve every disputed item.
    Software organizes potential issues and drafts packets; you confirm the facts.
  • The law and duty must match the issue.
    Accuracy, aging, identity theft, collector conduct, reinvestigation failures, reinsertions, mortgage timing, and accurate negatives follow different routes.
  • You choose Online Fast Track or Mail Concierge.
    The customer-controlled online route is free; the one-time paid cycle covers Credit Orchard mailing every approved packet through Lob.
  • You have a 3-business-day right to cancel.
    Nothing starts during that cancellation window.
  • Mail Concierge is a one-time $99 cycle.
    Stripe places a temporary hold only after enrollment. Capture occurs only after Lob accepts every approved packet; there is no subscription or automatic renewal.
Preview the case routes first

The signed-in workspace creates the case, opens an approved provider when available or guides the temporary official free-report handoff, organizes possible findings, generates item-specific plans and drafts, records approvals, and tracks submissions and responses. Credit Orchard never asks for a bureau password. Never enter a full Social Security number in ordinary workspace forms.

Need assistance? Email support@creditorchard.com, but do not attach sensitive records to ordinary email.

You can dispute inaccuracies yourself for free. Results vary. Credit Orchard does not promise a deletion, score change, approval, funding amount, or timeline.