Upwell finds the errors and outdated items holding your credit back, disputes them with all three bureaus, and helps you build new positive credit. A real person guides you the whole way.
$0 to startNo setup fee
Pay after the workNever billed in advance
All 3 bureausEquifax, Experian, TransUnion
Bonded & compliantFederal and state rules
A medical bill. A job loss. A divorce. Someone who used your name. We don't judge how you got here. We focus on where you want to go and make a plan to get you there.
No judgment, everTalk to us like you'd talk to a friend who knows credit.
Updates by text and WhatsAppNo chasing anyone. We tell you what changed and what's next.
Honest from day oneIf we can't help with something, we'll tell you before you pay a cent.
We explain everything in plain English and keep you posted along the way.
Tell us your goal. We look at your reports together and explain what we can help with, and what we can't.
About 15 minutesWe challenge inaccurate and unverifiable items with all three bureaus. Each bureau generally has 30 days to respond.
About 30 days per roundFollow every item in your portal while we help you add positive history. Most clients go through 3–6 months of rounds.
Updates every monthThese are typical situations we see every week, and the path we take with each one. Names and details are left out to protect privacy.
Example situation
Example situation
Example situationSee which approvals are within reach today and how many points you'd need for the rest.
Typical minimums for reference only. Every lender sets its own rules.
Four quick questions. You get a personal plan and a realistic timeline. No credit pull, no card needed.
Removing errors helps. Adding positive history gives your score room to grow. Most people need both.
We go through all three reports line by line and dispute what is wrong, outdated or can't be verified.
For thin files, young credit or a fresh start after bankruptcy. A clear plan to add positive history.
Planning to buy a home? We work backward from the score and file your lender needs to see.
Only a few items to fix? Pay per result. More to fix? A monthly plan saves you money.
Best if you have 1–4 items to fix
Billed only after a removal shows on your updated report.
Choose Pay Per ItemBest for collections, late payments and charge-offs
Billed at the end of each month for that month's work.
Choose Repair + BuildBest if you plan to buy a home in 3–12 months
Billed at the end of each month for that month's work.
Choose Mortgage Ready| What you pay for | Upwell Credit | Typical national company |
|---|---|---|
| Setup or first-work fee | $0 | $99–$199 |
| Monthly price | $99 | $79–$149 |
| Pay only for results | Yes, $75 per item | Rarely offered |
| Plan built for homebuyers | Yes | Rarely offered |
| Text and WhatsApp updates | Yes | Phone and email only |
A higher score usually means a lower interest rate. Here's what that can mean every month.
Example interest rates by score range, for comparison only. Not a loan offer. Your real rate depends on the lender, down payment, income and the market.
Get my plan to reach my targetNo guessing and no chasing. Log in from your phone any time.
Example client view. Results vary for every person.
Your portal login arrives right after. Identity details for the bureaus are collected inside the secure portal, not on this page.
Still unsure? Ask us anything. A real person is one message away.
Yes. The Fair Credit Reporting Act gives you the right to dispute information that is inaccurate, incomplete, outdated or can't be verified. Credit repair companies must follow the federal Credit Repair Organizations Act and state laws, such as Florida's Credit Service Organizations Act, which requires a surety bond. Upwell follows both.
There is no setup fee. Repair + Build is $99 a month, billed after each month's work. Pay Per Item is $75 per item, billed only after a removal shows on your report. Mortgage Ready is $129 a month.
The bureaus generally have 30 days to look into each dispute. Most clients go through several rounds over 3 to 6 months. Some see changes after the first round, and some files take longer.
No, and be careful with anyone who does. No company can legally remove accurate, verifiable information. We dispute what is wrong or can't be verified, and we help you build positive history at the same time.
No. Disputing items does not lower your score, and our free review does not pull your credit.
Yes. We work with clients in all 50 states online, by phone, text and WhatsApp, and through the client portal.
Yes. You can dispute errors directly with Equifax, Experian and TransUnion for free. People hire us to save time, follow up on every round and get a building plan alongside the disputes.
Yes. You can cancel within 3 business days of signing for any reason at no cost, and any time after that with no cancellation fee.
We work with clients in all 50 states, including:
Start with a free review. No setup fee, no credit pull, no pressure. Just a clear plan.
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