01
See your credit
Essential includes 1 credit score and a one-bureau report view. Plus and Complete add 3 credit scores and three-bureau reports. The bureau, model, date, and refresh frequency will be disclosed before enrollment.
MEET ZOEY
Understand it. Build on it. Follow through.
A credit assistant designed to connect your reports, your habits, and your next decision. Explore the launch experience below.
02
Build a routine
Every paid tier includes a credit-building account, alongside a next-step plan and payment reminders. Complete also includes eligible rent and utility reporting, with a tracker showing what has been verified and reported. Account eligibility, reporting coverage, and payment terms will be shown separately.
03
Know what comes next
Ask about a specific account, compare the explanation with its source, and organize actions around the goal you choose.
TRY THE SAMPLE WALKTHROUGH
From a report entry
to a next step.
Illustrative launch experience. Fictional data. No account needed.
STEP 1 OF 4
Start with what the report actually says.
Example account ending 1234: reported balance $420; last updated August 15. Your sample payment receipt says $420 was paid August 28. The report predates the payment.
Report entry · fictional data
Source: sample bureau report · August 15, 2026. This is not a live credit pull or an official score.
When something looks wrong, keep the facts together.
- Review the entry. Compare creditor, balance, status, and dates with your records.
- Prepare an AI-assisted draft. Zoey’s free AI-powered dispute letters help organize the facts, evidence, and correction you request. Essential includes 1 AI letter per month; included downloads have no extra fee.
- Approve before sending. Read the letter and verify attachments. Any included human review will be described at launch.
- Choose a sending method. Self-mail, or use your included Plus or Complete mailing allowance. One envelope is one recipient.
- Read the response. Keep copies, record what changed, and decide whether another factual follow-up is needed.
Zoey does not guarantee removal of accurate information or a particular score result. You can dispute errors directly with credit bureaus yourself for free.
Explore free AI letters in Zoey →Good questions.
Clear answers.
How do I get started?
Explore Zoey, compare memberships, and join early access. Your invitation will explain how to access the app and its features. Joining the list does not create an app account or start a subscription.
Are Zoey’s AI-powered dispute letters free?
Yes. Free Zoey includes AI-powered dispute letters at launch. Review and download included letters with no extra drafting or download fee. The free allowance will be disclosed before access opens. Letter drafting takes place in Zoey. Postage is separate.
What does the $9.99 plan include for letters?
Essential includes 1 AI-powered dispute letter each membership month, at no additional drafting charge. One letter addresses one account or issue to one recipient; three recipients need three letters. Revisions to that same letter stay within its allowance. No rollover. Included downloads have no extra fee. Free-plan and upper-tier AI allowances will be disclosed before launch. Letter drafting and postal mailing are separate: Essential does not include postage, while Plus and Complete each include 3 standard envelopes per month.
Is the credit-builder limit money I can spend?
The limit shown is for a restricted credit-building account. It is not a cash payout or a general-purpose credit card. Review the final limit, permitted use, payments, fees, account term, eligibility, and reporting bureaus before you enroll.
How many scores are included, and how often will they update?
Essential at $9.99/month includes 1 credit score and a one-bureau report view. Plus and Complete include 3 credit scores, one from each bureau, and three-bureau reports. The bureau used for Essential, data provider, score model, included refresh frequency, and any extra refresh charge will be disclosed before enrollment. Live access does not mean continuous or daily updates. Each view should identify its bureau, model, and date.
Does Zoey send disputes without my approval?
No. You review the report entry, compare supporting records, and approve the factual draft before sending. AI suggestions are not proof of an error. Any human review included at launch will be described explicitly; this site does not promise attorney representation.