Source-backed comparison · Researched July 15, 2026
DearBureau vs Safeport Law
Safeport Law is an attorney-led credit-repair service offering report analysis and bureau or creditor challenges on a client's behalf. DearBureau helps you inspect your own report, organize the facts, approve every letter, and track what happens next—starting with a free findings preview.
$39/month when you continue · Nothing is mailed without your approval
DearBureau wrote this comparison and has a commercial interest in your choice. It is not affiliated with Safeport Law, receives no payment for linking to it, and uses provider-owned and government sources listed below. Names and trademarks belong to their respective owners.
The short answer
Choose control or delegation.
DearBureau is the better fit when you want a lower-cost workspace and control every letter. Safeport may fit better when attorney-led analysis and unlimited lawyer-backed challenges are worth a higher monthly price and conditional refund terms.
Choose DearBureau
See and direct the work.
You want the report findings before payment and prefer to make the factual and correspondence decisions yourself without an initial work fee.
Choose Safeport Law
Delegate the work.
You want attorney-led review, three-bureau reports, and a service that sends challenges to bureaus and creditors on your behalf.
Neither choice can make accurate, current negative information disappear legally. Neither can promise a score increase or a particular result.
Side by side
What changes when you choose the software.
Provider terms can change. Each numbered link opens the source behind the changing fact.
| Decision point | DearBureau | Safeport Law |
|---|---|---|
| Service model | Self-directed consumer-rights software. You remain the sender. | Attorney-led managed credit-repair service. [1][2] |
| Comparable advertised price | $39/month after the free findings preview. | Credit Cleanse is $89.99 monthly; Credit Cleanse+ is $129.99. [2] |
| Initial or first-work fee | No initial fee. No card is required for the findings preview. | $89 for Credit Cleanse or $129 for Credit Cleanse+, billed six days after signup. [2] |
| Free starting point | Import a supported report and preview findings before deciding whether to pay. | A free credit pull and review; the first-work fee is scheduled six days after signup. [2][3] |
| Who handles correspondence | You inspect the facts, edit every letter, and approve, mail, or skip it. | Safeport's team sends lawyer-backed disputes and challenges to bureaus and creditors. [3] |
| Reports, scores, and extras | Bring an IdentityIQ or CreditHeroScore report, or a credit-report PDF. DearBureau is not a score-monitoring or identity-insurance product. | Three-bureau reports, attorney/expert analysis, and an online progress dashboard. [2][3] |
| Guarantee | No deletion, correction, score-increase, or timeline guarantee. | Conditional 90-day refund for Credit Cleanse when no disputed item is removed and all eligibility steps are met. [4] |
| Cancellation | Cancel before the next renewal; paid access continues through the current paid period. | Cancel anytime, but service remains active through the paid cycle and fees are generally not prorated or refunded. [5] |
See the findings first. Decide about the guided workspace second.
See my report findingsCost and control
The price difference reflects a different job.
A managed credit-repair fee pays another party to review and challenge report items on your behalf, often with monitoring or identity-protection extras. DearBureau does not sell that service. Its job is to make your own review workable.
DearBureau asks more of you than a done-for-you service. In return, you see the underlying work and decide when the facts support action—and when they do not. Optional printing and certified mailing costs $12.99 per item you approve.
Inside DearBureau
Four visible steps, with you at the desk.
The product organizes and drafts. You supply the facts and make every decision.
- 01
Bring in the report.
Connect IdentityIQ or CreditHeroScore, or upload a credit-report PDF you already have.
- 02
Inspect the findings.
See accounts, collections, inquiries, and personal details worth a closer look before a subscription is offered.
- 03
Build the record.
Answer guided questions, attach useful evidence, and edit every draft letter.
- 04
Approve and track.
Mail it yourself, choose optional certified mailing, or skip it. Keep delivery, replies, and deadlines with the item.
Before enrolling
Read the terms behind the headline price.
These are the details most likely to change the decision—not a feature-count score.
The refund has timing and participation conditions.
The published promise requires 90 active days, identity proof within five days, a request during days 91–120, and a 30-day audit. Canceling or missing payments during the first 90 days voids eligibility.
The higher tier is not fully explained publicly.
Safeport publishes prices for Credit Cleanse and Credit Cleanse+ but does not provide a dependable side-by-side explanation of what the higher tier adds. This comparison does not invent one.
Check availability and refund terms.
Safeport's legal terms say service is not available in South Carolina and that cancellation generally does not produce a prorated refund.
Rights you already have
The right is yours. The result is not guaranteed.
The FTC says you can dispute mistakes in your credit reports yourself for free. Accurate, current negative information cannot legally be removed just because it hurts. A reporting company may also decline to investigate a dispute it considers frivolous, including repeated or formulaic requests.
Questions and limits
Before you choose.
How much does Safeport Law cost?
Credit Cleanse is $89.99 per month plus an $89 initial work fee. Credit Cleanse+ is $129.99 per month plus a $129 initial work fee. [2]
Does Safeport guarantee credit-repair results?
No specific result is guaranteed. Safeport publishes a conditional refund for eligible Credit Cleanse clients when none of their disputed items is removed during the first 90 days. [4]
Is DearBureau a credit-repair company?
No. DearBureau is software for consumers reviewing their own reports and correspondence. It does not act on your behalf, provide legal advice, or promise removals, score gains, settlements, or a particular result.
What can I see before paying DearBureau?
You can create an account, import a supported report, and preview the findings without a card. A subscription unlocks guided questions, evidence, letter editing and approval, downloads, and deadline tracking.
Does DearBureau send disputes automatically?
No. You review every fact and every letter. You can edit, approve, download, mail, choose optional certified mailing, or stop. Nothing is mailed without your approval.
Research receipts
Sources checked July 15, 2026.
Prices, packages, and terms change. Confirm the current offer before you enroll.
- 01 Safeport LawAttorney-led service overview
- 02 Safeport LawPricing and frequently asked questions
- 03 Safeport LawEnrollment and service details
- 04 Safeport Law90-day promise terms
- 05 Safeport LawLegal terms, cancellation, and availability
- 06 Federal Trade CommissionSpot the scams when fixing your credit
- 07 Consumer Financial Protection BureauCredit counseling, debt settlement, consolidation, and credit repair
Start with the record
Start with the report, not a promise.
Import the report and see the findings free. Continue only if there is something worth checking.
Start free review No credit card for the findings preview · Reviewing your own report does not create a hard inquiry