Early access — free to join

Fix your credit.
For real this time.

Free credit report and score. AI-powered disputes. Guidance every step of the way. We’re rolling out access now.

Join Early Access →

No credit card. No commitment. Free to use.

Free

credit report + score

24/7

AI support

100%

online

Your goal matters

Why do you want to fix your credit?

Your credit score is just a number. What matters is what it unlocks.

🏠

Buy a home

🚗

Get a car loan

💳

Better credit cards

📉

Lower interest rates

💼

Start a business

✨

Peace of mind

We can help with

Negative items dragging your score down?

If it’s inaccurate, unverifiable, or unfair — we’ll help you fight it.

Collections Late Payments Charge-Offs Hard Inquiries Bankruptcies Foreclosures Judgments Identity Theft

Simple process

How it works

See what’s hurting you

We pull your credit report and score for free — no hard inquiry. Our AI finds the errors and negative items dragging your score down.

We handle the hard part

We create personalized disputes and guide you through the process. You review and approve — we take care of the rest.

Monitor your results

Track your disputes, get reminders when it’s time for the next round, and see your progress toward the goal that matters to you.

Always here for you

Confused about something?
Just ask.

Our AI assistant knows your credit situation personally. Ask it anything — what something on your report means, what to do next, or how your progress is tracking.

✓ Understands your specific credit report

✓ Explains everything in plain English

✓ Guides you through every step

✓ Available anytime — day or night

Breta

Online

I have a collection from 2019 on my report. Can I do anything about it?

Yes — a collection from 2019 is still within the 7-year reporting window, but if any details are inaccurate — the balance, the dates, even the creditor name — you have the right to dispute it. Want me to take a look at what’s on your report?

Since your goal is buying a home, removing this could make a real difference in your mortgage approval.

What you get

Everything you need to start. Free.

Join early access and get full access to our core tools — completely free.

📊

Credit report & score

Pull your report with a soft inquiry. No impact on your score.

🔍

AI error detection

We scan your report and flag what’s potentially hurting you.

📝

Dispute creation

Personalized disputes created for you. Review, approve, send.

💬

24/7 AI support

Ask anything about your credit. Get clear answers instantly.

🎯

Goal tracking

Tell us your goal. We’ll show you how your progress connects to it.

🔔

Alerts & reminders

Score changes, dispute results, and cycle reminders. Stay on track.

Built by people who get it

Built by a team that knows credit.

Breta isn’t a side project. It’s built by fintech operators with years of experience in the credit industry — people who’ve already helped thousands of consumers take control of their finances.

🏗️

Fintech operators

Founded by builders, not consultants.

👥

Thousands served

Already trusted by thousands of consumers.

📈

Years of experience

Deep roots in the credit industry.

Questions

Everything you need to know

Is Breta really free?

Yes. Breta is free to use — including your credit report, score, and dispute tools. No credit card required. As we roll out new features, some advanced capabilities may be available on a premium plan.

How long until I see results?

Most people see their first results within 30-60 days. Significant improvement typically takes 3-6 months of consistent effort. Your timeline depends on what’s on your report. Individual results vary based on your specific credit situation.

Will this hurt my credit score?

No. We use a soft inquiry that doesn’t affect your score. Filing disputes is your legal right and never hurts your credit.

How is this different from hiring a credit repair company?

Credit repair companies charge $80-150/month. We handle the hard part for free — find the errors, create the disputes, guide you through the process, and track your results.

What if I don’t know what to dispute?

You don’t have to. We analyze your credit report and show you exactly what’s potentially hurting your score. You just confirm what you’d like us to work on.

Can I talk to someone if I need help?

Our AI assistant is available 24/7 and knows your specific credit situation. It can answer questions, explain bureau responses, and guide you through every step of the process.

What features are coming next?

We’re rolling out new capabilities regularly — multi-bureau support, advanced dispute strategies, and more. Join early access to be the first to get new features as they launch.

Your credit doesn’t fix itself.

Be one of the first to try Breta. See your score, find the problems, and start fixing them — free.