Simple plans. Clear value.

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.

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.

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.

Free AI-powered dispute letters, a basic score and one-bureau report view, education, and self-service dispute tools. The bureau, score model, refresh schedule, and usage allowance will be confirmed before enrollment. Handled postage and credit building are paid features.

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.

Yes. The launch offer includes Essential at $9.99/month with a $750 limit, Plus at $19.99 with $2,500, and Complete at $39.99 with $3,500. Final account limits and eligibility are confirmed before enrollment. A larger reported limit does not guarantee a larger score change.

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.

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.

Complete adds a $3,500 builder limit, eligible rent and utility reporting, and a payment reporting tracker showing verification and reporting status. It also adds a guided monthly progress review, multiple goal plans, and progress exports. Three-score access, organized cases, and the 3-envelope mailing allowance carry over from Plus. Final account limits and reporting eligibility are confirmed before enrollment.

Complete’s $39.99 launch membership includes rent and utility reporting for eligible payments, following your consent and verification. Supported bills, payment methods, reporting bureaus, timing, and cancellation rules will be confirmed before enrollment. Viewing three credit scores does not mean rent or utilities are reported to all three bureaus. Past-payment reporting is not included. No score improvement is guaranteed.

You identify information you believe is wrong and supply the supporting facts. Zoey’s AI helps organize the explanation and requested correction; it does not establish that a law was broken or promise deletion. You review the finished letter before sending. Accurate negative information is not automatically an error.

Plus and Complete include 3 standard U.S. envelopes each membership month, up to 5 black-and-white printed pages per envelope, including attachments. Each recipient uses one envelope: sending once to all three bureaus uses all 3. No rollover. Certified mail, return receipts, international mail, and extra pages or envelopes are not included. Any optional extra requires a disclosed price and your approval. Provider-caused printing errors are resent without using your allowance; address changes and new submissions use an envelope.

There is nothing to cancel or pay for on the early-access list. For a future paid membership, renewal, cancellation, refunds, and plan-change terms will be shown before purchase. Closing a builder account is a separate action from canceling a Zoey membership, and any account obligations must be explained.

This website works on mobile and desktop in English. Invitations will explain supported app devices and installation steps. We are not advertising a public iOS or Android release, or Spanish app support, before those are ready.

No score increase, deletion, financing approval, or timeline is guaranteed. Payment history, account details, the scoring model, and other changes to your credit file all matter. Review important decisions against the underlying records.