Credit repair services built on the FCRA
Aunify reviews your Equifax, Experian and TransUnion credit reports line by line, disputes inaccurate, outdated and unverifiable items, and gives you a straight answer on every account. Pay per dispute, or let our team handle everything.
Your credit analysis
Sample reportEvery account gets a verdict. No guesswork, no false promises.
Collection account
Balance reported differently at each bureau
30-day late payment
Payment history conflicts with account status
Charge-off
Date of first delinquency appears re-aged
Auto loan, paid as agreed
Accurate positive history. Keep it; it helps your score.
About Aunify
Aunify’s founders spent more than ten years behind the scenes of the credit repair industry, working alongside credit attorneys and credit repair companies on disputes, documentation and consumer credit cases. We saw what gets results, what never will, and how many consumers pay for years without seeing any change.
We started Aunify to bring that expertise directly to you: honest answers about your credit issues, practical credit-building techniques, and a clear plan so your credit never dictates your quality of life.
Credit was never meant to be a mystery. The only people who benefit from keeping you in the dark are those collecting fees without delivering results. We give you realistic timelines and the most cost-effective ways to improve your credit, without burning money on disputes that can’t succeed.
10+ years of dispute experience
Our team has worked credit disputes for over a decade
FCRA-based disputes
Every letter grounded in federal consumer law
Equifax, Experian, TransUnion
We review and dispute across all three bureaus
Transparent pricing
Published prices. Cancel anytime.
What we dispute
Federal law requires credit bureaus to report information that is accurate, complete and verifiable. When a negative account falls short of that standard, we dispute it.
Collection accounts with wrong balances, duplicate listings, or debts the collector can’t validate.
Charged-off accounts with re-aged dates, incorrect balances, or conflicting status codes.
30, 60 and 90-day lates reported in error or inconsistently across the three bureaus.
Inquiries you never authorized, including ones linked to identity theft or unrequested credit pulls.
Deficiency balances, sale dates and account statuses that don’t match the lender’s own records.
Medical debts that were paid, covered by insurance, or reported with incorrect amounts.
Discharged accounts still showing balances, and records reported past their legal time limit.
Fraudulent accounts, and accounts belonging to someone else merged into your credit file.
Duplicate loan listings, transferred loans reported twice, and incorrect delinquency history.
Aunify videos
Short, honest videos from our team on disputes, credit building and funding. New videos are added regularly.
How credit repair works at Aunify
You share your 3-bureau credit report. We review every account for errors, reporting inconsistencies and items past their reporting period.
We tell you which items have grounds for dispute and which don’t. You never pay to dispute an item we believe is accurate.
Custom dispute letters go to Equifax, Experian and TransUnion. Bureaus generally have 30 days to investigate each dispute.
We review every bureau response, escalate where the law allows, and coach you on building positive credit history.
Credit repair pricing
Choose a pay-per-dispute option if you want to stay hands-on, or a full-service plan if you want us to handle everything. You are never billed before the service is performed.
For people who want expert letters and prefer to mail them.
$50per dispute, per bureau
No monthly fee. No setup fee.
Full-service credit repair. We prepare, mail and track every dispute.
$99per month
+ $300 first-round fee, billed after your first disputes are mailed
For complex files, stubborn errors and possible consumer-rights violations.
$199per month
+ $500 first-round fee, billed after your first disputes are mailed
Example: disputing one collection account with all three bureaus on the Pay-Per-Dispute plan costs $150. Cancel any full-service plan at any time. You may cancel any contract without penalty or obligation within 3 business days of signing. Results vary by credit file, and no company can legally guarantee the removal of accurate information.
New service: funding readiness
Better credit opens better financing. When your profile is ready, we help you prepare your documents and connect you with our lending partners for personal and business funding.
Personal loans, auto financing and credit lines through lending partners.
Business lines of credit, term loans and equipment financing.
We check your profile before you apply, so you avoid needless hard inquiries.
Help organizing tax returns, bank statements and business documents.
Why Aunify
Too many credit repair companies bill month after month for disputes that were never going to work. We built Aunify to do the opposite. Our founders have spent more than ten years working credit disputes and have personally consulted hundreds of consumers. We tell you on day one what the law lets us challenge, and we put you in control of your credit for good.
If an item is accurate, we say so, and show you how to offset it.
A team trained in the FCRA, FDCPA and credit reporting standards.
See every letter, every response and every change to your report.
Guidance on utilization, payment history and new positive accounts.
Free credit analysis
Tell us a little about your goals. A credit specialist will review your report and give you an honest assessment, with no obligation and no cost.
Thank you!
We’ve received your request. A credit specialist will review it and get back to you soon.