Frequently Asked Questions

Yes, an active credit monitoring service (such as IdentityIQ) is required to access your credit data and generate accurate dispute letters. You can use your existing account or sign up for a new one.

No, we do not guarantee results. The dispute process is based on consumer protection laws, but the outcome depends on the accuracy and verifiability of the information in your credit report.

The credit bureaus are required to investigate disputes within 30-45 days. However, credit repair is an ongoing process that may take multiple rounds of disputes to achieve the best possible outcome.

Yes, The Dispute Coach is a month-to-month service with no contracts. You can cancel anytime, but please note that canceling our service does not automatically cancel your credit monitoring subscription. That will need to be done independently.

No, once your subscription is canceled, you will no longer have access to your generated dispute letters. We recommend downloading and saving them before canceling.

The Dispute Coach gives you two options for mailing your dispute letters. You can choose to print and mail them yourself or use our integrated mailing service for added convenience. If you select our mailing service, we will handle the printing, postage, and delivery for you.

We provide multiple ways to support you throughout your credit repair journey. If you need personalized guidance, you can purchase a Personalized Video Review, where an expert will analyze your credit report and provide tailored recommendations. Additionally, we offer free weekly group coaching calls, where you can ask questions and get expert insights on credit repair strategies.

Yes, you can absolutely dispute credit report errors on your own for free. However, The Dispute Coach makes the process faster, easier, and more effective by automating the dispute letter creation, organizing your disputes, and providing expert-designed letter templates. Instead of researching laws, writing letters from scratch, and keeping track of disputes manually, our software does the heavy lifting for you—saving you time, effort, and frustration.

Credit repair isn’t necessarily hard, but it does require time, patience, and consistency. Many people give up because they don’t know what steps to take or how to follow up effectively. That’s why The Dispute Coach was created—to make it easy for anyone to challenge errors and improve their credit, without confusion or wasted time. With our guided approach, you don’t have to be a credit expert to get results!

Not all credit repair companies are bad—some provide great service and real results. However, many traditional credit repair companies charge high monthly fees and use outdated, one-size-fits-all dispute methods that can slow down your progress.

With The Dispute Coach, you’re in full control of the process. Our platform gives you expert-designed dispute strategies, automated letters, and tracking tools—so you can repair your credit quickly, effectively, and affordably.

Traditional Credit Repair (Pros & Cons):
Can be hands-off if you prefer not to do it yourself
Some companies (like our parent company, Approved Credit Coach) offer personalized, ethical services
Many companies charge $79-$150+ per month
Some use generic disputes that take longer
Lack of transparency—you don’t control the process
The Dispute Coach:
Low-cost, DIY option—just a fraction of the price
Unlimited dispute rounds—you control the speed
Metro 2 and FCRA-compliant letters for better results
Faster results with targeted, strategic disputes
Want a "done-for-you" option instead? If you ever decide you'd rather have professionals handle your credit repair, our parent company, Approved Credit Coach, offers expert-led credit repair services with transparency and integrity. We're always here to help—whether you want to do it yourself or have us do it for you!