Last updated October 26, 2026.
General education
Content is general information, not individualized financial or legal advice. No attorney-client relationship is created. Mile Forward doesn't prepare or file disputes for you, negotiate debts, arrange credit, or determine loan eligibility.
Examples and estimates
Only use truthful facts when adapting a letter. Follow current recipient requirements and preserve deadlines. Calculators use simplified assumptions displayed with each tool. No score improvement, deletion, timing, rate, or approval is guaranteed.
Free rights and resources
You can obtain free reports and dispute errors without purchasing anything here. Official resources and free sample letters are linked throughout. Accurate current negative information can't be erased just by disputing it.
Free educational resources
Our guides and self-guided tools are free to use. Mile Forward is an educational concierge: we explain information and point to resources. We don't review your personal reports, submit disputes, contact creditors, or manage a financial matter for you.
Free DIY dispute companion
The companion provides general instructions, editable examples and prompts for an external AI writing tool. No AI runs on the companion page. You verify the facts, privately add required identifiers, and submit any correspondence yourself. The workspace does not review reports, provide legal advice, file disputes or promise outcomes. The companion is free and requires no organizer purchase.
Optional Everyday Money Organizer
The organizer provides reusable payment logs, bill planning, budgeting, subscription and savings worksheets for your own recordkeeping. It includes no credit-repair services, dispute letters, personalized credit recommendations, or actions performed on your behalf. Planned price: $19 one time. Sales and payment collection are not active; the current product preview is free. No purchase is required for educational resources. Entries in the organizer stay in your browser; export backups to retain them.
Mile Forward Customer-Care SMS Terms
Program purpose. Mile Forward texts are limited to customer-care replies and follow-up about your own inquiry concerning website access, educational resources, or finding content on the site. This program doesn't send marketing, affiliate offers, credit-repair solicitations, debt-relief offers, or personalized financial advice.
Your choice. To request text replies through the contact form, provide your mobile number and select the separate SMS consent checkbox. Leaving it unchecked doesn't prevent you from using the site's free resources. SMS consent is optional, separate from acceptance of these Terms, and isn't a condition of purchase. Consent is specific to Mile Forward's customer-care program.
Frequency and costs. Message frequency varies based on your inquiry. Message and data rates may apply. Ask your wireless provider about your plan's charges.
Opt out and help. When the program is active, reply STOP to opt out. You may receive a one-time confirmation of your opt-out; no further program messages will be sent unless you opt in again. Reply HELP for help, or visit Contact Us for current support availability.
Delivery and privacy. Delivery isn't guaranteed, and carriers aren't liable for delayed or undelivered messages. Only provide a mobile number you're authorized to use. Our Privacy Policy explains mobile information and consent protections.
Contact inquiries and saved consent
Submitting the contact form saves your inquiry and consent choices to Mile Forward's customer-care inbox. A reference number confirms storage; it doesn't promise a response time, advice, or any financial outcome. See our Privacy Policy for the information recorded and how it's used.
Text replies aren't active yet. Selecting the SMS checkbox records your request for customer-care texts but doesn't send a message or start an active SMS subscription. No marketing consent is collected through this form. Don't include sensitive financial or identity documents.