Credit Score
Watch your score climb
Monitor your VantageScore across all three bureaus, refreshed automatically so you always know where you stand.
Users Helped 100,000+
92+ Pt Average Score Increase*
Private AI Coach
Optimized for iOS
Bad Credit Is Expensive. Start Fighting Back in Less Than 5 Minutes.
Download the Dispute Beast app to analyze your credit, find negative items, create your next attack, send your letters through Sprint Mail, and get personalized advice from your private AI Credit Coach — right from your iPhone.
Download Free on the App Store
Free to download · Private AI Credit Coach · Take action in minutes
Talk to your Beast AI Coach
Great news! I found 3 accounts reporting soon. Pay Chase before Monday for +18 pts.
Ask anything
Late payment removal (43%)
Taking you to the app
↺ Replay Flow
Credit Score
32 pts to go
648
Start New Attack
It's time to Attack
4 negative accounts ready to dispute.
Your Credit Score
Credit Overview
648
+20 pts
Full Accounts Removals
6 Removed
Talk to your Beast AI Coach
Great news! I found 3 accounts reporting soon. Pay Chase before Monday and you'll gain 18 points. Want me to walk you through it?
Ask anything
Late payment removal progress (43%)
Taking you to the app
Your Attack Hub is ready. Let's go generate your first dispute letters.
↺ Replay Flow
Credit Score
32 pts to go
648
Target: $80k
Start New Attack
It's time to Attack
We found 4 negative account items ready to dispute. Launch your next Attack now.
Your Credit Score
Credit Overview
648
+20 pts
Full Accounts Removals
6 Removed
Removed
Entire account removed from your credit report
Equifax TransUnion Experian
Full control of your Credit
Equipping you with the ability to take full control of your Financial health
At Dispute Beast, we aim to be more than just another credit app. We strive to become your trusted partner in your pocket, dedicated to helping you on your financial journey.
Meet Your New
Beast AI Credit Coach
Credit can be confusing. Now, you don't have to figure it out alone. Have conversations about your credit, understand exactly where you stand, and get personalized guidance on where to go next.
Private & anonymized Your AI Coach works with anonymized credit data only — no personal info is ever shared or stored by the AI.
Compare & Plan Ahead
Improved IQ Action Plan
Our powerful dispute engine now includes strategies for Late Payment removals.
24/7 Support
Built-in 24/7 Support
Need a human touch? Chat with the Dispute Beast support team instantly, any time of day, directly from your account.
Notifications
Stay Informed Instantly
Get smart push notifications for score updates and required actions.
Onboarding
Seamless Onboarding
Get started fast with a redesigned, intuitive signup flow.
Learn
The New "Learn" Hub
Explore guides, blogs, and exclusive content designed to empower your financial literacy.
How It Works
Everything You Need to Start Your Credit Attack Is in the App.
With Dispute Beast, you can go from confused to taking action in minutes.
- Step 1
Download the App
Install Dispute Beast on your iPhone.
- Step 2
Analyze Your Credit
Review your credit profile and see what may be hurting your score.
- Step 3
Find Negative Items
Identify collections, charge-offs, late payments, inquiries, and other items that may need attention.
- Step 4
Create Your Attack
Generate your next credit attack directly inside the app.
- Step 5
Send Your Attack
Send your letters through Sprint Mail without printing, stamping, or mailing them yourself.
- Step 6
Ask Your AI Credit Coach
Get personalized guidance so you know what to do next.
The Longer You Wait, the More Bad Credit Can Cost You.
Higher interest rates. Bigger down payments. Denied applications. Missed approvals. Less funding.
Bad credit can quietly make everything more expensive. Whether you want to buy a home, qualify for business funding, or finally feel more in control, the Dispute Beast app helps you take action from your phone.
Your Comeback
Better Credit Can Open Bigger Doors.
A better credit profile can help you move closer to the home, the lower payment, the approval, the funding, or the financial confidence you are working for. Your credit journey does not change by waiting. It changes when you take the next action.
Start Your Credit Comeback Your Private AI Credit Coach Is in Your Pocket.
Most people were never taught what to dispute, when to dispute, what changed, or what to do next. Dispute Beast gives you a private AI Credit Coach that helps you understand your credit, review your next steps, and take action with more confidence.
Get My AI Credit Coach The Beast iOS App
Stop Paying for Bad Credit. Start Fighting Back.
Web Portal
AI-Powered Disputing 
Track 3-Bureau Vantage & FICO Scores 
Other Dispute Beast Features
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New iOS App
AI-Powered Disputing Track 3-Bureau Vantage & FICO Scores Other Dispute Beast Features 
Beast AI Credit Coach Credit IQ Action Plan
Real-time Push Notifications
Native 24/7 In-App Chat
Dedicated "Learn" Tab
Join Thousands Taking Action on Their Credit.
Rate 4.8 by 3,960+ Users
Excellent
4.4 out of 5 · 1,861 Reviews
Join Thousands Taking Action on Their Credit.
Rate 4.8 Stars by 3,960+ Users
Excellent
4.4 out of 5 · 1,861 Reviews
Dispute Beast was built to help everyday people stop feeling stuck, take action on negative items, and stay consistent on their credit journey.
Download Free on the App Store iOS Widgets
See your credit right on your iPhone home screen
Add Dispute Beast Widgets to your home screen and glance at your score, cycle, coach, and next payment the moment you pick up your phone, no tapping in, no sign-in.
Cycle Tracker
Never miss an attack
See exactly how many days are left in your 40-day cycle until it's time to launch your next Beast attack
Beast AI Coach
Stay informed instantly
Get smart push notifications for score updates and required actions.
Payment Planner
Know what to pay, when
Part of your IQ Action Plan: see exactly how much to pay on each card. Tap to jump straight into the plan.
FAQs
Q1 Is the Dispute Beast iOS App Free?
Yes! Dispute Beast is 100% free - AI processing, letter generation, and all features inside the app cost $0. To use the AI features, you need to connect an active credit monitoring subscription so Dispute Beast can import your 3-bureau credit data.
Q2 Will checking my FICO® scores hurt my credit?
Absolutely not. Pro Credit Watch and Beast Credit Monitoring use soft credit pulls to access your scores, which have zero impact on your credit. You can check your scores as often as you'd like without any negative effects. This is different from hard inquiries that occur when you apply for credit.
Q3 How accurate are my FICO® scores?
The FICO® 8 scores are provided through Pro Credit Watch, and VantageScores through Beast Credit Monitoring. Both pull directly from the three major credit bureaus: Experian, Equifax, and TransUnion. Dispute Beast itself is the AI dispute engine that uses that data to generate your letters and power your attacks.
Q4 Why is my score different from other credit monitoring services?
The score you see depends on which monitoring service you are connected to. Pro Credit Watch provides FICO® 8 scores, the model used by 90% of top lenders. Beast Credit Monitoring provides your VantageScore. Dispute Beast is not a monitoring service. It is the AI engine that reads your credit data and builds your dispute strategy.
Q5 Can I use Dispute Beast if I'm just starting to build credit?
Absolutely. Dispute Beast is designed for everyone, whether you have no credit history, a low score, or are looking to maximize an already-good score. Our Beast AI Coach provides personalized guidance based on exactly where you are right now.
