We have automatic software that automatically disputes and challenge your Negative Inaccurate items and inquires with Experian, TransUnion, and Equifax. We have a $0 enrollment. Yes, $0 FREE to start, We Don’t charge anything until your first letters are mailed. We don’t charge our clients anything to get started. We are now offering these services to all 50 states for only $99 Monthly. To get started just sign up on the get started page and give us access to a credit report. Credit Monkey, was ranked by Inc. Magazine as one of America’s 5,000 fastest growing companies 5 years running, is a financial technology firm.