Repair all 3 credit bureaus.

Increase your credit score.

Easily do it yourself.

Control Your  Credit.


Hack Your Credit is a credit repair expert so you don’t have to be.

Fixing your own credit used to require a ton of work and a bit of luck. But now, Hack Your Credit makes fixing your credit and increasing your credit score fast and easy. 


Meet Hack Your Credit

Hack Your Credit is so smart and easy to use, you might think it’s magic.

Get Started

Unlock Thousands Of Dollars In Savings.

Unlock Financial Freedom.

Your credit score is the foundation of your financial health. 

A better credit score can give you access to:

Your dream car
The perfect home
Better insurance premiums
Faster loan approvals
Negotiating power
Better interest rates
Employment opportunities
Higher borrowing limit
Get Started

Great For Any Type Of Credit

Partnered with Smart Credit to help you control your future credit score. 


Get your best score before you apply for credit. See how your spending affects your score.

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See exactly what is helping or hurting your credit score. Get your 120-Day Plan to a better score.

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Money Manager

All your online banking in one place. Use action buttons to quickly ask questions and resolve problems.

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Stops websites or data brokers from sharing or selling your personal information and data.

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$1M Fraud Insurance

You'll get $1 million in identity fraud insurance for your whole family.

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Dispute any account on all 3 bureaus

Hack Your Credit can help you delete these accounts from Experian, Equifax, and TransUnion:

✅ Late Payments      ✅ Repossessions      ✅ Charge Offs      ✅ Foreclosures     
✅ Collections      ✅ Judgments      ✅ Inquiries      ✅ Bankruptcy     

✅ Late Payments 
✅ Repossessions 
✅ Charge Offs 
✅ Foreclosures 
✅ Collections 
✅ Judgments 
✅ Inquiries 
✅ Bankruptcy

No need to create an account with each credit bureau. Hack Your Credit brings all three credit bureaus to you.

Get Started

Smart Import

Hack Your Credit automatically imports your 3 bureau credit report without creating a hard inquiry.

Brilliant AI

Hack Your Credit's Artificial Intelligence knows which accounts are hurting your credit and helps you create powerful disputes to remove them.

Unlimited Disputes

Dispute as many accounts as you want on all 3 bureaus at the same time. It doesn’t matter if you have one account or fifty accounts to dispute, Hack Your Credit can easily manage and track all of them.

Professional Letters

Letters are far more effective at getting accounts permanently deleted than online disputes. Hack Your Credit’s letter generator helps you create effective disputes based on consumer protection laws.

Track Your Results

Every month Hack Your Credit imports your new 3 bureau credit report and shows which accounts were deleted and your new credit scores. If an account wasn’t deleted, Hack Your Credit will suggest a new strategy for additional disputes.

No need to hire a credit repair company

Don’t waste your time and money hiring a credit repair company to send generic disputes the 3 credit bureaus can legally reject.

Hack Your Money helps you create far more effective disputes than any credit repair company. Because you send them yourself, the credit bureaus won't reject them.

Easily create effective disputes for all 3 credit bureaus and improve your credit score with Hack Your Money.


How It Works

No more spending hours studying your credit report, researching how to delete accounts, writing disputes, and keeping track of the results. Hack Your Credit manages everything for you.


Link your credit report

Hack Your Credit automatically imports and analyzes your 3 bureau credit report, finds negative accounts, and prepares an aggressive dispute strategy.

Hack Your Credit never creates a hard inquiry on your credit report.


Disputes that work

Hack Your Credit's brilliant AI knows that different negative accounts require different dispute strategies. For example, disputing a collection account is different than disputing a bankruptcy.

Hack Your Credit helps you create the right dispute to achieve a permanent deletion.


Your custom spending plan

Your credit card payments can make or break your credit score. With ScoreBoost, learn exactly how much to pay  and when to reach your target score faster. 

Toggle the slider to find ways to maximize your points and gain insider information on how your spending affects your credit score.


Control your credit journey

The ScoreBuilder feature gives you a 120 Day Plan to better credit tailored specifically to your unique situation. Flag exactly what is helping and what is hurting your score as we compile a list of actions you can take to gain more points.

24/7 monitoring keeps track of your actions so you can see your progress as you achieve your goals.


Track your results

Hack Your Credit tracks all of your disputes on all 3 credit bureaus. Every month you'll receive a progress report showing what accounts were deleted and your new credit scores.

You'll always know what's going on with your credit repair and credit score.

The most powerful credit repair software ever created, is free.

Only pay for a 3 credit bureau subscription and postage for your dispute letters.

Only pay for a 3 credit bureau subscription and postage for your dispute letters.

Don’t have an account? Select one from below. No contract. Cancel anytime.

Hack Your Credit Premium

7 Day Trial for $5.99



Cancel Anytime

  • Unlimited Disputes
  • Monthly 3-Bureau Reports & Scores

--- Smart Credit ---

  • $1Million Identity Fraud Insurance ($0 deductible in the event of a fraud claim and covers the entire household)
  • Credit Monitoring & Alerts (TU)

Includes Money Manager, PrivacyMaster®, ScoreTracker, ScoreBuilder®, and ScoreBoost


Out with the old… in with Hack Your Credit

Big credit repair companies are better at deleting dollars from your pocket than negative accounts from your credit report. That’s why we created Hack Your Credit.

  Hack Your Credit Lexington Law
Cost Free w/3 bureau subscription $89 - $129 per month $99 per month
Disputes per month Unlimited 2 - 3 2 - 3
Bureaus can ignore disputes? No Yes Yes
Video Credit Coaching Yes No No

Lexington Law, and their logos and product names are trademarks or registered trademarks of their respective owners. This website is not affiliated with, or endorsed or sponsored by, Lexington Law, or any of their affiliates. Monthly pricing taken from and and is subject to change.

Hack Your Credit saves you time and money by offering a better credit repair solution.