Upload your credit report. Our AI analyzes every line item, finds disputable inaccuracies, generates FCRA-compliant dispute letters, and builds a personalized plan to raise your score.
Upload your credit report from Equifax, Experian, or TransUnion. We securely parse every account and tradeline.
Our AI cross-references your data against FCRA rules, identifies inaccuracies, outdated items, and potential disputes.
Get AI-generated dispute letters citing specific legal sections, plus a personalized action plan to boost your score.
Force collectors to prove they own the debt. They have 30 days to respond or must stop collecting.
Negotiate to pay 30-50% of the balance in exchange for complete removal from your credit reports.
Check if your debt is past the SOL. Time-barred debts can't be sued for — know your rights.
After a dispute, demand HOW the bureau verified the debt. Often leads to deletion.
Request removal of late payments based on your positive history with the creditor.
Demand the original signed contract. Debt buyers often can't produce this documentation.
Access our complete toolkit: debt validation letters, pay-for-delete templates, statute of limitations calculator, goodwill letters, and more — all free.
Access Free ToolsYour FICO score is built from five factors. We target each one with specific strategies.
Payment History
Credit Utilization
Credit Age
New Credit
Credit Mix
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