Zoeyby Pinnacle Capital

FREE ZOEY · $0 DRAFTING FEE

Free dispute letters.
Powered by Zoey AI.

Turn the facts you provide into a clear dispute-letter draft. Review the wording, download your included letter, and choose how to send it.

  1. 01
    Your facts

    Identify the entry, the issue, and the records that support you.

  2. 02
    Zoey’s draft

    AI helps organize your explanation and requested correction.

  3. 03
    Your final say

    Review, download, and choose how to send. Postage is separate.

Join free AI-letter early access

Create and manage your letters in Zoey when access opens. Join early access for your invitation. Free-access limits will be disclosed before launch.

FREE ZOEY · IN THE APP

A clearer starting point.

AI-powered dispute letters, a basic credit score, and a one-bureau report view. Keep your credit questions and next steps together in Zoey.

Ready to add credit building?

Essential adds a $750 credit-builder limit for $9.99/month, with 1 score and 1 AI letter each month. Final limits and eligibility are confirmed before enrollment.

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Letter and mailing allowances

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.

Understand the report first →