Take control of your credit. Do it yourself, the smart way.
Pull all three bureau reports, let AI write your dispute letters, and watch your score — with Mike breaking down every step on YouTube.
- Experian, Equifax & TransUnion
- AI dispute letters
- Score tracking
Three steps to cleaner credit
No middleman, no monthly retainer to a credit repair company. You stay in control and work at your own pace.
Pull your 3-bureau report
See exactly what Experian, Equifax and TransUnion are reporting about you, all in one place.
Let AI write your disputes
Flag inaccurate or unverifiable items and get personalized dispute letters generated for you in minutes.
Track your progress
Monitor changes and score updates so you can see what's working and plan your next round.
Everything you need in one platform
AI dispute letters
Personalized letters that challenge inaccuracies — AI handles the details so you don't have to.
3-bureau credit reports
Experian, Equifax and TransUnion side by side, with clear, easy-to-read insights.
Real-time monitoring
Get alerts when something changes on your reports so nothing slips by.
Score tracking
See how your actions move your score over time and make decisions with confidence.
Step-by-step guidance
A clear, structured process built for DIY credit repair — perfect if you're starting from zero.
Ready to start?
Sign up and get the full DisputeBeast toolkit.
Free credit education from Mike
Straight talk on credit cards, scores, disputes and the banking news that affects your wallet.
Quick tips in under 60 seconds
Credit shouldn't be a mystery
For over a decade, Mike has helped people across the country take control of their financial future. The mission is simple: give everyday people the tools and the knowledge to fix their credit themselves — transparently, affordably and at their own pace.
“You don't need to pay someone thousands to fix your credit. You need the right tools and someone to show you how.”
That's why Mike pairs AI-powered dispute software with free, no-nonsense education on YouTube, TikTok, Instagram and Facebook.
How long can collectors sue you?
Pick your state to see its statute of limitations on debt.
For information only, not legal advice. Laws change, so confirm with your state or an attorney.
Full guide & all 50 statesCommon questions
Is DIY credit repair legal?
Yes. Under the Fair Credit Reporting Act you have the right to dispute inaccurate, incomplete or unverifiable information with the credit bureaus yourself. DIY tools simply make that process faster and more organized.
What does DisputeBeast do?
It's an AI-powered platform that pulls your 3-bureau credit reports, helps you identify items to dispute, generates personalized dispute letters and tracks your progress over time.
How long does it take to see results?
Credit bureaus generally have about 30 days to investigate a dispute, so many people work in monthly rounds. Every situation is different and results aren't guaranteed.
Can accurate negative items be removed?
No one can legally remove accurate, timely information. Disputes are for errors, outdated items and information that can't be verified. Be wary of anyone promising otherwise.
Where can I learn more for free?
Mike posts new credit tips every day on YouTube, TikTok, Instagram and Facebook. Subscribe on YouTube to catch the full breakdowns.
Your credit comeback starts today
Get the tools Mike recommends, and follow along for daily tips that keep you on track.