Everything you need to know about Jubilee.

Jubilee is an assisted DIY credit repair roadmap. You upload your free credit report from AnnualCreditReport.com and Jubilee analyzes every account, identifies what can be disputed under FCRA law, negotiated with creditors, or paid off strategically. You get personalized dispute letters, negotiation call scripts, and a payoff plan. You send the letters yourself.

No. Jubilee is not a credit repair agency and does not act as one. We are a self-help tool that gives you the information, letters, and scripts to exercise your own rights under the Fair Credit Reporting Act. You are always in control.

Yes, and that is exactly what Jubilee is built for. The FCRA gives you the same rights as a credit repair company. The difference is knowledge and execution. Jubilee gives you the same letters, scripts, and strategies that agencies use, at a fraction of the cost, without a middleman.

No. Jubilee is designed for people who have never done this before. It explains every step, tells you exactly what to do and why, and generates all the letters for you. If you can upload a PDF and mail a letter, you can use Jubilee.

Your $97 gets you 6 months of full access: AI-generated dispute letters, debt negotiation scripts, rate reduction call scripts, a personalized payoff plan, and your Jubilee Credit Coach. After 6 months, you can keep your Credit Coach for $7/month or cancel. No pressure. No tricks.

Credit Coach is your ongoing credit guidance tool. It includes a daily credit tip system, goodwill letter generator for removing late payments, monthly report monitoring, personalized next-step recommendations based on your profile, a score building guide, and a document vault for storing bureau responses. Included in your $97 for 6 months, then $7/month.

Several types of negative items can be disputed or removed: collection accounts past their statute of limitations, accounts with reporting errors (wrong dates, wrong amounts, accounts that are not yours), duplicate accounts, charge-offs older than 7 years, hard inquiries you did not authorize, and accounts opened fraudulently in your name.

Yes. Disputing errors, sending debt validation letters, and negotiating with creditors are all rights protected under federal law, specifically the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Jubilee helps you exercise rights you already have.

The Fair Credit Reporting Act is a federal law that gives you the right to dispute any information on your credit report that is inaccurate, incomplete, or unverifiable. When you dispute an item, the credit bureau has 30 days to investigate. If they cannot verify it, they must remove it.

A pay-for-delete is a negotiated agreement where you offer to pay a collection account in exchange for the collector removing the entry from your credit report. Collectors are not legally required to agree, but many do, especially for older debts. Jubilee gives you customized pay-for-delete letters for eligible accounts.

A charge-off is when a creditor writes off your debt as a loss after missed payments, usually after 180 days. A collection happens when that debt is sold to a collection agency. Both are serious negative marks. Both can often be disputed or negotiated.

No. Filing a dispute with a credit bureau is not a hard inquiry and does not affect your score. Successfully removing negative items through disputes typically improves your score.

Bureaus have 30 days to respond to a dispute by law. Some items are removed in the first round. Others take multiple rounds or require escalation. Most people see meaningful changes within 60 to 90 days of sending their first letters.

Results vary based on what is on your report. Users with multiple disputable items typically see the most movement. Score improvements of 40 to 80 points over 3 to 6 months are common for people who follow the full plan. Individual results vary.

Print the letter Jubilee generates, sign it, and mail it via USPS certified mail with return receipt requested. This creates a legal paper trail. Do not dispute online. Online disputes do not create the same legal record and are generally less effective.

Bureaus must respond within 30 days of receiving your dispute. If you mail certified, you typically get a response in 35 to 45 days. Credit Coach will prompt you to follow up at the right time.

If a creditor fails to verify the item within 30 days, the bureau is required by law to remove it. If the bureau fails to investigate properly, you can escalate by filing a complaint with the CFPB at consumerfinance.gov. Jubilee provides guidance for every possible response scenario.

Yes. Jubilee creates letters for all eligible accounts in your report — you send them all at once. We recommend sending disputes for all qualifying items at the same time. There is no rule against disputing multiple items, and doing it all at once maximizes your results in the shortest timeframe.

Disputing is about removing inaccurate or unverifiable information from your report using your FCRA rights. Negotiating is about reaching an agreement with a creditor or collector, typically a pay-for-delete or settlement for less than the full balance. Jubilee tells you which strategy applies to each account on your report.

Your credit report is processed by our AI and stored securely. We do not sell your data to third parties, share it with creditors, or use it for advertising. Full details are in our Privacy Policy at getjubileeapp.com/privacy.