Take control of your credit.
Expert Dispute™ is self-directed credit software that helps you review your credit reports, identify potential inaccuracies, prepare disputes, track your progress and understand your next steps.
The software is free to use. A separate third-party credit monitoring subscription is required to pull your reports, and you pay that to the monitoring provider, not to us.
Not secret. Scattered.
Nobody is born knowing how credit reporting works, what is actually disputable, or which of the hundred things you've been told online are true. The information exists — it's spread across a thousand places, half of it wrong.
Expert Dispute puts the process in one place, in order, and leaves you in control of it.
Your file, your disputes, your pace.
Review your reports
Pull your reports into one place and read what is actually on them, line by line, instead of guessing from a score.
Identify potential inaccuracies
Spot the things worth questioning — and understand which items are accurate and therefore not disputable.
Prepare your disputes
Build a dispute that says something specific, rather than a generic letter that gets a generic answer.
Track your progress
Keep a record of what you sent, when, and what came back, so nothing gets lost and nothing gets sent twice.
Understand your next steps
Know what to do when a result comes back that you weren't expecting, and what to work on while you wait.
Then build
Removing what shouldn't be there is half of it. The other half is building a profile worth reading — utilization, history and age.
What this costs, plainly.
The software: free
Expert Dispute itself is free to you. There is no membership, no monthly software fee and no tier to upgrade to.
Credit monitoring: paid, and separate
A third-party credit monitoring subscription is required to pull your reports into the software. It is billed by that provider, on their terms, and you can cancel it with them.
This is self-directed software. You review your own reports and prepare and submit your own disputes. Henny Lo is not a credit repair organization, does not perform credit repair on your behalf, and does not manage consumer disputes for you. You have the right to dispute information on your own credit report yourself, for free, by contacting the credit bureaus directly, and accurate information cannot be removed. Credit bureaus and the companies that report to them decide the outcome of every dispute. No score increase, item removal, timeframe or financing outcome is promised or implied.
Personal credit is one piece. The business is the other.
Personal credit affects what a newer business can access, but it is not the whole picture. Business credit, time in business, revenue and documentation all sit on the other side of the desk too.
When you're ready to look at the business side, the funding readiness assessment tells you where it actually stands — and it costs nothing to find out.
Is this credit repair?
No. It is software you use yourself. We do not act on your behalf, contact bureaus for you, or manage your disputes.
Why is monitoring required?
The software needs access to your reports to show you what is on them. That access comes from the monitoring subscription.
Will my score go up?
Nobody can honestly promise that, and you should be careful with anyone who does. Bureaus and furnishers decide every outcome.
Stay connected. Stay ready.
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