Link your reports.
Connect Equifax, Experian, and TransUnion. No scanning. No uploads.
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Your credit.
Your credit.
Your comeback.
RIZO finds mistakes on your credit report, helps you dispute them the right way, and tracks every reply. With Credit Karen, your AI credit assistant, by your side.
Free to join
No card needed
We never sell your info
Built on your rightsUnder the Fair Credit Reporting Act
You approve every letterNothing is sent without your OK
Private by designYour info is never sold
Honest, alwaysWe only dispute what is wrong
Why RIZOMistakes happen.
Mistakes happen.
Fixing them shouldn’t be hard.
Your credit report decides a lot. Your rent. Your car loan. Your rate. When it’s wrong, you deserve a fast, simple way to make it right.
1 in 5
people found a mistake on at least one of their credit reports.1
30 days
is how long a bureau usually has to look into your dispute.2
$0
is what the law says it costs you to dispute a mistake.2
How it works
From “that’s not right” to fixed.
Four simple steps. Karen does the digging. You stay in control.
Just tell Karen what happened.
Talk or type, in your own words. Karen asks the right questions and spots what may be wrong.
A clear letter. In your name.
Karen turns your story into a polite, firm letter that cites your rights. You read it. You approve it.
Every reply, in one place.
See where each dispute stands. Get a nudge when a deadline hits.
Meet Credit Karen
“Same report. Different story? Let’s check the receipts.”
Credit Karen
AI credit assistant · Reporting the reporters
Karen explains your report in plain words. She helps you get organized and stand up for your rights. And if a bureau doesn’t fix a real mistake, she shows you the next move.
STEP 1Dispute with the bureau
STEP 2Ask how they checked it
STEP 3File with the CFPB
STEP 4Talk to a consumer lawyer
Plans
Do it yourself. Or let us help.
Start free today. Our two paid plans are on the way, and founding members hear first.
rizo. FreeOpen now
Learn your rights and meet Karen.
- Credit Karen Academy lessons
- Know your rights, in plain words
- Founding-member updates
rizo. AIComing soon
Do it yourself, with Karen by your side.
- Karen checks all 3 reports
- Talk it out. Karen writes the letter.
- Safe place for your papers
- Track every reply and deadline
- Next steps if a bureau says no
rizo. PlusComing soon
A real team in your corner.
- Everything in RIZO AI
- A real person reviews your case
- Help pulling your papers together
- We follow up for you
You will always be told what a plan includes before you sign up. You never pay before the work is done.
Credit Karen Academy · FreeKnow your rights.
Know your rights.
Keep your receipts.
Short lessons in plain words. Tap any one to open it.
01Get your reports for free
You can see your reports from Equifax, Experian, and TransUnion for free every week at AnnualCreditReport.com.
That is the official site. You never need to pay to see them there.
02You can dispute for free
If something on your report is wrong, you have the right to dispute it. It costs nothing.
Send it to the bureau that shows the mistake. Keep a copy of everything.
03They have about 30 days
Once a bureau gets your dispute, it usually has 30 days to look into it and tell you what it found.
Write down the date you sent it.
04“Not mine” is a big deal
If an account isn’t yours, say so. If someone opened it in your name, that may be identity theft.
Report it at IdentityTheft.gov. That report helps you ask the bureaus to block it.
05Old stuff should fall off
Most late payments and collections should come off your report after about 7 years.
If something older is still there, you can dispute it.
06Only dispute what is wrong
Disputes work best when they are true and clear. Say what is wrong and why.
Disputing correct items can slow you down. Karen will always help you tell the truth.
Founding members
Get in first.
Join free today. Be first in line when RIZO opens, and keep founding-member status for good.
- First access. You get in before everyone else.
- New lessons first. Fresh tips from Karen, sent to you.
- Founding-member badge. It stays on your account.
Questions
Straight answers.
No fine print games. Here is what you should know.
Is it free to join?
Yes. Joining the list is free. No card needed.
Can RIZO fix my credit today?
Not yet. RIZO’s dispute tools are still being built. Join the list and we will tell you the day they open.
Will RIZO raise my credit score?
No one can promise that. Anyone who does is not being honest with you. RIZO helps you find and dispute things that are wrong. Fixing real mistakes is your right.
Can I dispute on my own?
Yes. The law lets you dispute mistakes with the bureaus yourself, for free. RIZO makes it easier and keeps it all in one place.
Who is Credit Karen?
Karen is RIZO’s AI credit assistant. She is not a real person, and she is not a lawyer. She explains things in plain words and helps you get organized.
Is my info safe?
We only ask for what we need to keep you posted. We never sell your info. You can ask us to delete it any time.
Your comeback starts here
Same report.
Same report.
Different story.
Be first when RIZO opens. It’s free to join.
Become a founding member