Our AI-powered platform automates the entire credit dispute process, from analyzing your credit report to generating legally-compliant dispute letters across 4 strategic rounds.
Simply upload your credit report PDF from Experian, Equifax, or TransUnion. Our system securely stores your document in encrypted cloud storage (AWS S3).
Our advanced AI (powered by Manus LLM) reads your entire credit report and identifies all disputable items including late payments, collections, incorrect balances, and unauthorized inquiries.
For each identified issue, we automatically generate 4 rounds of professionally-written dispute letters with proper FCRA statute citations (§611, §616-617).
Download your letters as professional PDFs, mail them to the bureaus, and track your progress through our visual timeline. Add USPS tracking numbers and monitor 30-day response windows.
Our proven 4-round approach progressively escalates pressure on credit bureaus, maximizing your chances of successful dispute resolution.
Professional dispute letter citing FCRA §611 (15 U.S.C. §1681i). Identifies inaccurate information and requests investigation.
Timeline: 30-day response window
Requests detailed explanation of investigation method. Demands documentation proving the verification process was thorough and reasonable.
Timeline: 30-day response window
Formal notice citing FCRA §616-617 (15 U.S.C. §1681n-o) regarding willful or negligent noncompliance. References statutory damages ($100-$1,000 per violation).
Timeline: 30-day response window
Pre-litigation final demand with complete violation history. Prepares for CFPB escalation and potential federal complaint.
Timeline: CFPB escalation ready
All letters include proper FCRA statute citations and follow established credit repair industry best practices. Bureaus must respond within 30 days by law.
Each round increases legal pressure. Most disputes resolve in Rounds 1-2. Rounds 3-4 prepare for litigation and CFPB complaints if needed.
Credit bureaus often remove unverifiable items rather than risk litigation. Our systematic approach maximizes your success rate.