JUBILEE
Free dispute letters · Real FICO scores

Credit is a game.
Learn to win.

The school, the read of your report, every letter personalized — free. We charge only to pull your scores and to mail what you send.

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The free read

UPLOAD YOUR REPORT. GET THE READ.

A PDF from any bureau or AnnualCreditReport.com. The analysis, the roadmap, and your letters — free.

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The whole job

WE DO 2 THINGS. ONLY TWO THINGS.

Everything Jubilee knows is free: credit's rules, an AI coach on your actual report, a roadmap, every letter and script personalized. What we sell, we sell proudly — and every price tag carries its reason.

No. 01 — Monitoring

Your real FICO, all three bureaus

Because sharp letters start from sharp data — and if someone's going to pull your file, it should be someone on your side.

No. 02 — Certified mail

Your letter, printed, sent, tracked

Because a perfect letter that never leaves the house fixes nothing. From Jubilee straight to whoever owes you an answer.

Sent · Certified · Tracked
The rulebook · plain English

THE SCHOOL IS FREE. ALL OF IT.

What to actually do

Keep your oldest card open. Charge a coffee twice a year so it stays active.

What to actually do

Don't take a loan just for "the mix." If you'd already take it for other reasons, fine. Otherwise: ignore.

What to actually do

Batch big-ticket shopping (car, mortgage) into a two-week window. Bureaus count it as one.

Start free

The name

A JUBILEE WAS THE YEAR DEBTS WERE FORGIVEN
AND PEOPLE WALKED FREE.

We couldn't wait for one, so we built one you can run yourself.

Upload New Report 🗺️ Take the Tour

Here's your Jubilee breakdown.

Based on your credit report, here's what we found across $31,400 in debt across 7 accounts — and your roadmap to address it.

$8,200
Potentially Wipeable
$6,400
Negotiable
$4,800
Rate Reducible
$12,000
Total To Pay Off

You may be able to eliminate or reduce up to $15,400 of your $31,400 in debt. Here's how.

Ready to start your Jubilee?

Every dispute letter, negotiation script, and your complete payoff plan — free. Pay only if you want us to mail them for you.

Join thousands of Americans who are taking back control of their financial future.

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Frequently Asked Questions

Everything you need to know about Jubilee.

Your Credit Coach

Ongoing tools and guidance to build and protect your credit.

Credit Tip of the Day

A new tip every day to help you understand how credit works and what you can do about it.

💡 Credit Tip of the Day ? Each day you'll see a different credit tip based on how long you've been a member. These cover how credit scores actually work, your rights as a consumer, and practical strategies — everything you need to stay informed as you rebuild.
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Goodwill Letter Generator

Ask your creditor to remove a late payment as a gesture of goodwill.

✉
Goodwill Letter Generator
▼ ? These work best when you have a long history with the creditor, only one or two late payments, and a genuine reason for the hardship (job loss, medical issue, etc.). Creditors are not required to honor these requests, but many do — especially banks like Chase, Amex, and Discover for customers with otherwise clean records.

Late payments hurting your score? A goodwill letter could remove them.

A goodwill letter asks your creditor to remove a late payment as a gesture of goodwill — and it works more often than you'd think.

Stay on Top of Your Credit

Pull your report monthly and upload it here to see what changed.

📅
Stay on Top of Your Credit
? Re-insertion is when a creditor puts a negative item back on your report after it was removed through a dispute. The bureau is required to notify you, but many people miss the notice. Monthly monitoring is the only reliable way to catch it.

Pull your report monthly to catch anything new, and upload it here when you're ready to see what's changed.

Pull your free report →

Upload your latest report to see exactly what has changed since your last one.

or drag and drop your report here

What You Should Do Next

Personalized recommendations based on your credit profile.

🎯
What You Should Do Next With Your Credit
? These recommendations are generated by AI based on your specific credit report — your score, your debt levels, your account types, and what's happening in the market right now. They update every time you upload a new report. This is not generic advice — it's tailored to where you actually are in your credit journey.

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Recommendations based on current market knowledge. Jubilee has no affiliation with any credit card issuer or financial institution. We receive no compensation for any recommendation. This advice is based entirely on your credit profile — not on advertising relationships.

Score Building Guide

The habits that move the needle — click any card to learn what it means and how to do it.

📈
Score Building Guide
💲Keep Utilization Below 30%▼
What it means: Credit utilization is how much of your available credit you're actually using. If you have a credit card with a $1,000 limit and you owe $300, your utilization is 30%. This single number accounts for about 30% of your entire credit score.
Why it matters: Lenders see high utilization as a sign that you're stretched thin financially. Keeping it under 30% shows you can manage credit responsibly. Under 10% is even better — that's where you'll see the biggest score boosts.
How to do it:
  1. Check your current utilization by dividing your total balances by your total credit limits
  2. Pay down your highest-utilization cards first
  3. Call your card issuer and request a credit limit increase — this instantly lowers your ratio without paying anything down
  4. Consider making payments twice a month instead of once, so your reported balance stays lower
When you'll see results: Score changes from utilization happen fast — usually within one billing cycle (30 days) after the lower balance is reported.
⏰Pay Every Bill on Time▼
What it means: Payment history is whether you pay at least the minimum amount due by the due date every single month, on every account. It's the largest factor in your credit score at 35%.
Why it matters: A single payment that's 30 days late can drop a good credit score by 60 to 100 points. And that late mark stays on your report for 7 years. The good news is that the impact fades over time, and building a streak of on-time payments is the fastest way to recover.
How to do it:
  1. Set up autopay for at least the minimum due on every account — this is the number one thing you can do
  2. Set calendar reminders 5 days before each due date as a backup
  3. If you're going to be late, call the creditor before the due date — many will extend your deadline or waive the late fee if you ask
  4. If money is tight, pay the minimum on everything rather than paying one bill in full and missing another
When you'll see results: Each on-time payment strengthens your record. After 6 months of perfect payments, you'll notice real improvement. After 12-24 months, even past late payments lose most of their scoring impact.
💳Open a Secured Credit Card▼
What it means: A secured credit card works like a regular credit card, but you put down a deposit — usually $200 to $500 — that becomes your credit limit. Because the bank has your deposit as collateral, they'll approve you even with bad credit or no credit at all.
Why it matters: It creates a new tradeline on your credit report that starts building positive payment history immediately. It also adds to your credit mix and total available credit, both of which help your score.
How to do it:
  1. Apply for a secured card — Discover it Secured and Capital One Platinum Secured are popular options with no annual fee
  2. Put down the minimum deposit ($200 is common)
  3. Use it for one small recurring purchase each month (like a streaming subscription)
  4. Pay the full balance every month — never carry a balance on purpose
  5. After 6-12 months of responsible use, ask to be upgraded to an unsecured card — your deposit gets refunded
When you'll see results: The new account appears on your report within 1-2 billing cycles. Meaningful score improvement typically shows after 3-6 months of on-time payments.
👥Become an Authorized User▼
What it means: When a trusted family member or close friend adds you as an authorized user on their credit card, the entire history of that card — every on-time payment, the credit limit, the age of the account — gets added to your credit report.
Why it matters: If someone with excellent credit adds you to a card they've had for years with perfect payments, all of that positive history immediately shows up on your report. This can boost your score significantly, especially if your own credit file is thin.
How to do it:
  1. Ask a family member who has excellent credit and a card with a long, clean history
  2. They call their card issuer and add you by name and date of birth — it takes about 5 minutes
  3. You don't need to use the card or even have the physical card. Just being listed is enough.
  4. Make sure they keep paying on time — their late payments would show up on your report too
  5. Confirm the card issuer reports authorized users to all three bureaus (most do, but ask)
When you'll see results: The account typically appears on your report within one billing cycle — sometimes just 2-4 weeks. This is one of the fastest legal ways to improve your credit score.
⚠️Space Out New Applications▼
What it means: Every time you apply for credit — a credit card, loan, apartment, or even a new phone plan — the lender pulls your credit report. This is called a hard inquiry, and each one can lower your score by 5 to 10 points.
Why it matters: Multiple hard inquiries in a short period tell lenders you might be desperate for credit, which makes you look risky. New inquiries account for about 10% of your score. They stay on your report for 2 years but mostly stop affecting your score after 12 months.
How to do it:
  1. Only apply for credit you actually need and are likely to be approved for
  2. Space applications at least 3-6 months apart
  3. Use pre-qualification tools (which are soft inquiries and don't affect your score) to check your odds before applying
  4. Exception: when shopping for a mortgage, auto loan, or student loan, multiple inquiries within a 14-45 day window count as just one
When you'll see results: Each inquiry's impact fades gradually. After 12 months, most inquiries have minimal effect. After 24 months, they fall off your report entirely.
🔒Keep Old Accounts Open▼
What it means: The average age of your credit accounts makes up about 15% of your score. The longer your accounts have been open, the better. Closing an old card shortens your average account age and reduces your total available credit.
Why it matters: Closing your oldest credit card could drop your average account age significantly — which hurts your score. It also reduces your total credit limit, which means your utilization ratio goes up even if your balances stay the same. It's a double hit.
How to do it:
  1. Keep old credit cards open even if you don't use them regularly
  2. Use each old card for a small purchase every 3-6 months to prevent the issuer from closing it for inactivity
  3. If a card has an annual fee you don't want to pay, call and ask to downgrade to a no-fee version of the same card — this keeps the account history intact
  4. Never close your oldest credit card unless you absolutely have to
When you'll see results: This is more about protecting your existing score than boosting it. The impact of keeping accounts open compounds over time — every month they stay open, your average age increases.

Document Vault

Upload any letters or responses you receive from the credit bureaus or creditors so everything is in one place.

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Document Vault

📎 Drop a file here or click to upload

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📮 Mailed letters

Everything Jubilee has mailed on your behalf, with live tracking status.

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Mailed Letters

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Your full breakdown is ready below

What's your current credit score?

Most free credit reports from AnnualCreditReport.com don't include your score. Here's where to find it:

🏦
Your Bank or Credit Union
Most banking apps show your score free under account settings
💳
Credit Karma
Free at creditkarma.com — takes 2 minutes to sign up
📱
Your Credit Card App
Chase, Amex, Citi, and Capital One all show free scores in their apps

What's your current credit score?

Most free credit reports from AnnualCreditReport.com don't include your score. Here's where to find it:

🏦
Your Bank or Credit Union
Most banking apps show your score free under account settings
💳
Credit Karma
Free at creditkarma.com — takes 2 minutes to sign up
📱
Your Credit Card App
Chase, Amex, Citi, and Capital One all show free scores in their apps

Your action plan is ready.

Generate your dispute letters, call scripts, and payoff plan to start fixing your credit.

❌ Lexington Law: $1,800/year
❌ Credit Saint: $1,200/year
❌ Sky Blue Credit: $960/year
✅ Jubilee: Free — everything you need to DIY
Letters, scripts, and your plan. No charge.
You save $1,000+ a year vs. the competition.

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Ready to see your roadmap?

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Your credit report didn't include your score. Do you know it? We'll use it to show your projected improvement.

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We couldn't find any credit accounts in the document you uploaded. Please make sure you're uploading your credit report from AnnualCreditReport.com in PDF format.

Jubilee
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Generating your letter...

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Your letter is ready!

Pre-filled with your information and ready to print or mail.

Let's build your settlement offer.

Before we write your letter, let's talk strategy. You have more power here than you think.

💡 How debt settlement works

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Your letter will require written confirmation of credit report deletion before any payment is made.

Not legal advice. These letters are AI-generated templates for informational purposes only. Consult a licensed attorney for legal guidance.

Your Letter Is Ready

📬 How to send this letter ▲

Send this letter via certified mail with return receipt requested. This creates a legal paper trail the bureau cannot ignore.

Step-by-step:

  1. Print this letter and sign it
  2. Address envelope to the bureau listed
  3. Go to USPS and request Certified Mail with Return Receipt (Form 3811)
  4. Keep your tracking number and the green return card when it arrives
  5. If no response in 30 days, Jubilee will prompt you to escalate

Bureau mailing addresses:

· Experian: P.O. Box 4500, Allen, TX 75013
· TransUnion: P.O. Box 2000, Chester, PA 19016
· Equifax: P.O. Box 740256, Atlanta, GA 30374

💡 Pro tip: Dispute all 3 bureaus at once — the same error often appears on all three reports.

MAILING INSTRUCTIONS
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