DisputeHive is completely free when you subscribe to credit monitoring. No hidden fees. No upsells. Just results.
Full 3-bureau monitoring with FICO® 8 scores — the same scores 90% of lenders use.
Sign up for IdentityIQ to get your 3-bureau credit reports and scores.
Download your report and upload it to DisputeHive. Our AI scans it instantly.
Generate dispute letters, mail them, and repeat every 40 days until your score is fixed.
Yes! DisputeHive is 100% free when you subscribe to IdentityIQ for credit monitoring. We receive a referral fee from the monitoring service, which allows us to offer our AI dispute tools at no additional cost to you.
Credit monitoring gives you access to your full 3-bureau credit reports, which DisputeHive needs to analyze and generate dispute letters. It also lets you track your progress and see items get removed in real-time.
FICO® 8 is used by 90% of lenders for credit decisions. Vantage 3.0 is an alternative scoring model. We recommend IdentityIQ for FICO® scores since that's what lenders actually see.
Yes. IdentityIQ allows you to cancel your monitoring subscription at any time. There are no contracts or cancellation fees.
Most users see results within 30-45 days after their first dispute round. Significant score improvements typically happen within 60-90 days. We recommend 6-12 dispute rounds (attacking every 40 days) for maximum results.