Users Helped 100,000+

92+ Pt Average Score Increase*

Private AI Coach

Optimized for iOS

Your Credit Future, Now In Your Pocket.

Introducing the all-new Dispute Beast iOS app. Experience the power of AI credit repair that's helped over 100,000 users now faster, smarter, and featuring the revolutionary Beast AI Credit Coach.

Download Free on the App Store

Not an iPhone user? Continue on the web

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

Discover Card

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

Discover Card

Removed

Entire account removed from your credit report

EquifaxTransUnionExperian

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 & anonymizedYour 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.

The credit system wasn't built for you.
The Beast was.

Dispute Beast is your private AI coach, armed with every law, loophole, and strategy before you even make a move.

Your data stays yours. Your results speak for themselves.

The Beast iOS App

Why Upgrade to the App Experience?

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

Not an iPhone user? Continue on the web

Reviews & Testimonials.

trusted by over 100,000 American users.

Rate 4.8 by 4,000+ Users

Excellent

4.4 out of 5 · 1,861 Reviews

Reviews & Testimonials.

trusted by over 100,000 American users.

Rate 4.8 Stars by 4,000+ Users

Excellent

4.4 out of 5 · 1,861 Reviews

FAQs

Q1Is 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.

Q2Will 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.

Q3How 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.

Q4Why 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.

Q5Can 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.