// Transparent Pricing

Simple Pricing.
No Surprises.

DisputeHive is completely free with an active credit monitoring subscription. Only pay when you want us to mail your letters.

Free Plan
$0 / month
Full access to DisputeHive with active credit monitoring subscription from IdentityIQ or SmartCredit.
  • AI dispute letter generation
  • All 3 bureau coverage
  • Negative item priority ranking
  • Progress tracking dashboard
  • Download letters as PDF (DIY mail)
  • Automated mailing (pay per attack)
Get Started Free
Automated Mail
$— / attack
Set your own price. We print, package, and mail your letters via USPS First-Class. You keep the margin.
  • Everything in Free
  • Professional printing
  • USPS First-Class mailing
  • Order status tracking
  • Free resend if returned
  • Lob-powered print network
Get Credit Report First →

*Requires active IdentityIQ or SmartCredit subscription to use DisputeHive's AI features

// Step by step

How DisputeHive Works

1

Get Credit Monitoring

Subscribe to IdentityIQ or SmartCredit to access your 3-bureau credit report starting at $29.99/mo.

2

Upload Your Report

Download your report and upload it to DisputeHive. Our AI scans it in seconds and finds every negative item.

3

Generate AI Letters

Our AI creates personalized, legally-compliant dispute letters tailored to each negative item and bureau.

4

Mail & Track Results

Send via automated mail or download for free. Track every dispute. Repeat every 40 days for best results.

// Comparison

DisputeHive vs. The Alternatives

Feature DisputeHive Traditional Credit Repair DIY (Manual)
Monthly cost$29.99 (monitoring only)$100–$250/mo~$10 (stamps/paper)
AI-generated letters✓✗✗
All 3 bureaus covered✓✓✓
You stay in control✓✗✓
Automated mailing✓✓✗
Progress tracking✓Sometimes✗
110% Money-back guarantee✓Rarely✗
Annual cost estimate~$360$1,200–$3,000~$120
// Common questions

Frequently Asked Questions

Is DisputeHive really free? +
Yes — generating dispute letters is completely free when you have an active credit monitoring subscription through IdentityIQ or SmartCredit. You only pay if you want us to mail your letters automatically. Otherwise you can download them for free and mail them yourself.
How does the mailing pricing work? +
When you choose automated mailing, you set the price you charge your users per attack. We partner with Lob to print and mail letters via USPS First-Class. You pay Lob's cost and keep the difference as your margin.
Which credit monitoring service should I use? +
We recommend IdentityIQ — they provide full 3-bureau reports with FICO® scores, which are the same scores 90% of lenders use. SmartCredit is also a solid option if you prefer a lower monthly price.
How long does it take to see results? +
Most users start seeing results after 2-3 attack rounds (about 80-120 days). For best results, run 6-12 rounds over 6-12 months while maintaining good financial habits: pay bills on time, keep utilization low (1-6%), and limit new inquiries.
What is the 110% Money-Back Guarantee? +
If you complete at least 6 attack rounds and your credit score doesn't improve within a year, we'll refund 110% of all payments made. Opt-in is required after signing up. Full terms available on our Guarantee page.
Can I cancel anytime? +
Yes. DisputeHive has no subscription fees or contracts. Your only recurring cost is the credit monitoring subscription (IdentityIQ or SmartCredit), which you can cancel through them directly at any time.

Start Fixing Your Credit
For Free Today.

Join thousands of users who've taken back control of their financial future with DisputeHive.

Get Started with IdentityIQ →

Requires IdentityIQ or SmartCredit subscription · Cancel anytime · 110% guarantee