Your credit companion
Take control of your credit, without a repair company.
Scan your report, see every negative account pulling your score down, and choose what to dispute in minutes.
Connect your 3-bureau report through SmartCredit®, a separate paid monitoring subscription.
- No impact, soft pull
- Free disputes
- No contracts
- Letters written for you
Built on the same dispute process trusted by thousands of people nationwide.
Mojo does the work.You stay in control.
Scan your report, choose what to dispute, and have your letters ready to send in minutes.
Connect your report
Link your 3-bureau report through SmartCredit®. It's a soft pull, so it won't affect your scores.
SmartCredit® is a separate monitoring subscription,
billed by SmartCredit.
Mojo needs an up-to-date 3-bureau report from a trusted monitoring service to scan and to track changes to your scores while your disputes are in progress.
Mojo scans it
Every account pulling your scores down gets flagged, across all three bureaus.
Mojo writes your
dispute letters
Select the accounts you want to dispute, and Mojo drafts each letter for you to review.
Mail your letters
Choose how they go out.
- Free
Mail it yourself
- Mojo writes your dispute letters for free
- Download, print, and mail them yourself
- Don't forget your stamps
- You choose every account and review every letter
- Pro
Let Mojo handle it
- Sent by priority mail
- Tracking included
- No stamps or envelopes needed
- Your dispute letters are ready in minutes
Mojo Free is $0: scan your report, choose what to dispute, and download your letters to mail yourself. Mojo Pro, which prints and mails your letters for you, is a paid monthly plan (see Pricing). To connect your report, you'll also need a SmartCredit® monitoring subscription, which SmartCredit bills separately.
SmartCredit is how Mojo securely reads your 3-bureau report, so we can find the accounts hurting your scores. It also keeps your report up to date between dispute rounds. SmartCredit is an independent company with its own pricing and terms.
No. Connecting through SmartCredit uses a soft pull, which doesn't affect your credit scores.
On Free, you download, print, and mail each letter yourself and track responses on your own. On Pro, Mojo prints and mails the letters you've reviewed, with tracking, and posts bureau updates to your dashboard. On both plans, you choose what to dispute and review every letter.
Yes, anytime. Upgrade and your next round of letters is mailed for you.
No. You choose which accounts to dispute and review every letter. Nothing is mailed until you say so.
Yes. You have the right to dispute inaccurate information directly with the credit bureaus for free. Mojo is software that helps you find items and draft those disputes yourself.
No. Only dispute items you believe are inaccurate, incomplete, or can't be verified. Accurate, timely negative information can legally stay on your report.
No. Outcomes depend on the facts of your report and on how the bureaus and creditors respond.
Your report. Your call.
See what's holding your scores back.
Free to start. SmartCredit® monitoring required.