Dispute collections. Fight credit bureaus with real certified mail. Get a car, an apartment, and your life back — all from one app.
iOS 16+ · Free to start · No credit card required · Android coming soon
Pull your real scores from all 3 bureaus, see every account, every collection, every inquiry. Every negative item has a one-tap dispute button pre-filled with the right FCRA law.
Every tool a $200/hour credit repair attorney uses — available in your pocket for free.
10 dispute categories. Letters generated in seconds with the right FCRA law pre-applied. 30-day countdown starts the moment the bureau signs for your letter.
Ask anything. Get specific answers based on your actual credit report. "What should I dispute first?" → immediate action plan.
Powered by Claude AIPhysical letters printed and mailed via USPS Certified Mail directly from the app. Legal proof of delivery. Track every letter in real time.
From $3.99 per letterSee exactly how much your score will increase before you do anything. Toggle actions and watch your projected score update live.
Freeze your credit at all 3 bureaus with one tap. Monitor data breach exposure. Set 90-day fraud alerts. Build FTC Identity Theft packages.
See the exact dollar amount to pay on each card to hit under 10% utilization and gain up to 40 points instantly.
+40 pts potentialTrack every goodwill letter with 30/60/90-day follow-up reminders. Lifted generates the next letter automatically when no response comes.
Auto follow-upsGot a letter back from Equifax, Experian, or TransUnion? Tell Lifted what they said — "Verified", "Updated", "Deleted", or "No Record" — and we generate your perfect next move automatically. No guessing, no confusion, no stopping.
Bureaus have 30 days to investigate by law. Lifted automates every single step.
One tap pulls your full report from Equifax, Experian, and TransUnion. Lifted automatically flags every negative item — collections, charge-offs, late payments, and unauthorized inquiries — and marks each one for dispute with the correct FCRA law pre-applied.
Tap any negative item and the dispute letter is fully pre-filled — creditor name, account number, balance, bureau, and the exact FCRA section that applies to your situation. Edit any word you want, or send it as-is. Takes 10 seconds.
Lifted sends your dispute via USPS Certified Mail with Return Receipt — the legal gold standard for credit disputes. The letter gets physically printed, stuffed, and mailed. A tracking number comes back to the app. The 30-day bureau response clock starts the moment they sign for it.
Bureau says "verified"? Lifted generates the escalation letter to dispute directly with the creditor. Says "deleted"? Celebrate and check your updated score. Our Bureau Response Handler tells you exactly what every response means and what to do next — zero confusion.
As your score climbs, find credit-flexible dealers, landlords, and lenders directly in the Lifted marketplace — all verified partners who work with people rebuilding credit. Cars. Apartments. Credit cards. Home loans. It's all here.
"I had 6 collections and no idea where to start. Lifted pulled my full report, showed me which ones to dispute first, and the letter was ready in 30 seconds. Three collections deleted in 45 days."
"The certified mail feature is what got me. I never knew you could send a legal dispute letter from your phone. Equifax deleted two accounts within 25 days. My score jumped 89 points."
"Got denied for an apartment with a 571 score. Asked the Lifted AI what to do — it gave me a 5-step plan. Found a landlord through the Lifted marketplace and moved in 3 weeks later."
Verified dealers, landlords, and lenders who work with low, no, or damaged credit — handpicked and approved by Lifted.
Buy Here Pay Here dealers, special finance, and credit unions who work with no credit, bad credit, repossessions, and bankruptcy. Affordability calculator included.
No credit check optionsPrivate landlords and property managers who approve based on income, not just credit score. Section 8 accepted, co-signer options, flexible deposits.
Income over credit scoreCards matched to your exact score range. No credit, 500s, 600s, 700+ — secured and unsecured options with real approval odds and honest fee breakdowns.
Matched to your scoreFHA, VA, USDA, and Conventional paths with your personal score goals, down payment tracker, and debt-to-income calculator.
580+ can qualify for FHASelf, Kikoff, Credit Strong — tools that build positive payment history while you dispute the negatives. Double your progress.
Start from $5/monthComplex situations, FCRA lawsuits, identity theft recovery — connected to verified credit attorneys who know how to win.
FCRA lawsuit supportLifted users are actively rebuilding their credit and looking for dealers, landlords, and lenders who will work with them.
List your dealership or finance company in the Lifted Car Buying Center. Users filter by credit situation and contact you directly.
List your properties in the Lifted Apartment Finder. Reach renters who are actively rebuilding credit and ready to move.
No credit card to get started. Downgrade or cancel anytime.
Questions? Want to list your business? We respond within 24 hours.
No credit card. No fluff. Just the tools and knowledge to take back your financial life.
iOS 16+ · Free forever tier · No credit card required