See It First
CoolCredit's Score Simulator
See your score improve before you commit. Once you fetch your credit report, select the negative items you want to tackle, and instantly see your projected score improvement. Once you're happy with the simulation, pick a plan that fits and start your repair journey right there.
How it works
From flagged to fixed, in four steps
Fetch your report
CoolCredit's AI pulls your credit report and breaks it down into what's helping and what's hurting your score.
Simulate your fix
Choose the negative items you want to address and see your estimated score impact instantly, before you decide anything.
Draft effective dispute letters
CoolCredit's AI builds your dispute letters, with expert assistance available whenever you want a second review before anything goes out.
Track your progress
Follow every dispute right in the app, from submission to resolution, so you always know where things stand.
Fixing the right negative items can make a real difference in your account, and CoolCredit helps you see where to start.
Start Here
Negative items to fix immediately
Some items carry more weight than others. These are worth addressing first:
Collections
Collection accounts that are inaccurate, outdated, or improperly reported may be eligible for dispute.
Incorrect personal information
Wrong names, addresses, employers, or other personal details can lead to reporting errors and should be corrected.
Accounts that aren't yours
Accounts resulting from identity theft, mixed files, or reporting errors should be disputed immediately.
Incorrect account details
Wrong balances, payment history, account status, or duplicate accounts can often be corrected through a dispute.
Charge offs
Charge offs with inaccurate information, incorrect balances, or reporting errors may be eligible for dispute.
Hard inquiries you didn't authorize
Unauthorized hard inquiries may indicate fraud or reporting errors and can often be disputed.
An expert with you through it all
Some disputes need more than AI can handle alone. Whenever you want a second set of eyes, Expert Assist puts a real credit expert on your case, reviewing your strategy and handling the process end to end.
Secure, every step of the way
Your credit data is sensitive, and CoolCredit treats it that way. Every dispute, document, and detail is protected with strict security protocols, so you can focus on your credit, not your privacy.
Do it all in an easy-to-use app
Manage disputes, track progress, and stay on top of your credit from an app built to be simple, not overwhelming.
