Everything you need to know about credit repair and using our platform
Get your free credit reports from AnnualCreditReport.com and upload them to our platform. We support PDF files from Experian, Equifax, and TransUnion.
Our AI will analyze your report and identify disputable items based on FCRA regulations. Review the issues found and select which ones to dispute.
Generate professional dispute letters with legal citations. Review and customize each letter, then download as PDF for mailing.
Mail letters via USPS Certified Mail and add tracking numbers to monitor delivery. Track 30-day response deadlines and prepare for next rounds.
Visit AnnualCreditReport.com (the only authorized source for free reports) and request reports from all three bureaus. Download them as PDFs for upload.
Learn what factors affect your credit score: payment history (35%), credit utilization (30%), length of credit history (15%), new credit (10%), and credit mix (10%).
Print your dispute letter, sign it, and take it to USPS. Request Certified Mail with Return Receipt. Save the tracking number and green card as proof of delivery.
If a bureau doesn't respond within 30 days, file a CFPB complaint. Use our CFPB escalation guide to document violations and demand removal of disputed items.
Use the "View Letter" feature to review generated letters. Add personal details, emphasize specific points, or use our template library for different dispute scenarios.
Use the Tracking page to monitor all sent letters, response deadlines, and outcomes. Update letter status as bureaus respond to stay organized through all 4 rounds.