How we make money

• How Does Upturn Credit Make Money?

  We are an online self-service tool and mobile application that lets you easily review and dispute items on your TransUnion® credit report. Although TransUnion® is the one that investigates the matter and updates your report accordingly if a change is required, we make it easy to initiate the process and follow up on the dispute. We also allow for ongoing credit monitoring so you can spot future errors or other issues that may appear on your credit report.

  We’re here to help you clean up your credit reports and get the credit scores you deserve — but we also want to help you find the financial products you need. That’s why you might see third party offers for personal loans, credit cards, and more on our pages. By clicking on one of these offers, you're telling us to share a unique personal identifier to connect you with the third party. If you apply for and receive one of these products, we may receive a referral fee from the advertiser.

  However, except when you click on a third party offer, we never make money from sharing your personal data with advertisers. Our goal is simply to match you with the products you need when you need them.

• How We Compare to Traditional Credit Repair

  Traditional credit repair services often make promises to remove negative items from your credit report and improve your credit scores by a specific number of points. Some of them may even make guarantees along these lines, which they are typically not allowed to do. Some traditional credit repair companies charge upwards of $100 per month for their services, and others even require payment in advance, which also may be against federal law.

  At Upturn Credit, we don’t promise particular results and we don’t charge a monthly fee to view and dispute items on your TransUnion® credit report. What’s more, our dispute process is automated. Other credit repair services may require you to mail or fax in documents and even go through the process over the phone yourself with the credit reporting company. With us, you simply start the dispute with the click of a button, and we’ll take care of the rest.

  Our goal is to empower you to get the credit scores you deserve with the sincere hope that you’ll continue to rely on us as a trusted financial resource as you build your credit and your financial lives in general.