Stop paying for mistakes on your credit report.
Upload your Equifax, Experian and TransUnion reports. Our AI finds the errors, the missing data and the items nobody ever verified, then writes the dispute letters and tracks every deadline until the bureaus answer.
Your credit report is working against you
Credit reports are full of mistakes, and the bureaus are not going to go looking for them. Every one that stays costs you in denials, deposits and interest.
From denied to approved
Credit repair is not magic. It is finding every item that is wrong, incomplete or unverified, and making the bureaus prove it or delete it. That is what this does, one letter at a time.
Before
After
Illustration of what a round of disputes aims for. Outcomes depend on your reports and how the bureaus respond.
The life on the other side of better credit
Your score decides your rate, your deposit and whether you hear yes. Clearing out the errors is the fastest place to start.
The home
Walk into the mortgage conversation with a report you have already cleaned up.
The car
A lower rate on a car loan can be worth thousands over the life of the loan.
The card
Better cards, higher limits and fewer "we're unable to approve you" letters.
The breathing room
No more guessing. You know what is on your report and what is being done about it.
Four steps. You stay in control.
No calls with a salesperson, no waiting on a case manager. The AI does the reading and the writing. You sign and mail.
Upload your reports
The free ones from AnnualCreditReport.com work best. Drop in all three PDFs.
AI audits every line
Every account, across all 3 bureaus. Impossible dates, missing data, conflicts, unverified records.
Get your letters
You choose what is true about each item. The letters say exactly that, cite the law, and come as one PDF.
Mail and track
Send each one certified. Log the tracking number and the 30-day clock starts. Round 2 is drafted for you.
It catches what the bureaus hope you miss
A dispute works when it points at something specific. The AI checks the details most people never read.
Bankruptcies and public records, handled
Including bankruptcies that were dismissed and never finished. The agent checks the dates, the status and whether the bureau ever verified the record, then writes the removal request, the verification demand and the letter to the court clerk.
1. Chapter 13 bankruptcy, dismissed
Your own records show this item has not been verified. Information that cannot be verified must be deleted (FCRA 611(a)(5)(A)).
Please delete this item.
Letters that say what's true. That's why they work.
Bureaus throw out copy-paste disputes as frivolous. So for every item, you pick what is actually true, and the letter says exactly that and nothing more.
- Specific facts pulled from your own reports
- Cites the part of the law that applies to each item
- Demands they forward your full dispute, not a two-digit code
- No fake identity theft claims, no gimmicks that backfire
Nothing slips through the cracks
A ready-to-mail packet
Every letter in one PDF with a certified mail checklist on page one. Downloaded and emailed to you.
A tracker that counts the days
Bureaus get 30 days from delivery. You see the countdown, log their answer, and the next round is drafted for you.
All the firepower. None of the setup fees.
| Credit repair companies | Template letter kits | Credit Repair Agent | |
|---|---|---|---|
| Setup fee | $19 to $195 | None | None |
| Monthly | $69 to $149 | One-time or low | $97, cancel anytime |
| Reads all 3 reports line by line | Varies | No | Yes |
| Letters built from your actual data | Often templates | No | Yes |
| Bankruptcy and public record letters | Some | Rarely | Yes |
| Deadline tracker and round 2 | Behind the scenes | No | Yes, you see everything |
| You see every letter before it goes | Rarely | Yes | Yes |
See what's wrong free. Fix it for $97 a month.
Free scan
- Upload all 3 bureau reports
- Full audit in plain English
- See every letter you would send
Credit Repair Agent
- Every dispute letter, ready to sign, as one PDF
- Certified mail checklist, emailed to you too
- Deadline tracker with 30-day countdowns
- Round 2 and beyond drafted from the bureaus' answers
- Bankruptcy, public record and collection letters
- Unlimited rounds while you're a member
Straight answers
Is this legal?
Yes. The Fair Credit Reporting Act gives you the right to dispute anything on your report that is inaccurate, incomplete or unverifiable, and it requires the bureaus to investigate. Credit Repair Agent is software that helps you write and send your own disputes.
Will it remove accurate negative items?
It goes after items that are wrong, incomplete, past their reporting limit or that the bureau cannot verify. Those are removed or corrected when the bureau cannot back them up. Accurate items the bureau can fully verify may stay. Nobody can honestly promise a specific score, and we don't.
How long does it take?
The bureaus have 30 days from when they receive your letter to investigate and answer. Most people run more than one round, and the tracker drafts each next round from the answer you got.
Where do I get my credit reports?
AnnualCreditReport.com gives you free reports from all three bureaus. Those full reports work best because they show every detail the audit checks. Reports from monitoring apps work too, with a few checks skipped.
Why do I mail the letters myself?
Certified mail with a return receipt is your proof of when each bureau got your dispute. That date starts their 30-day clock, and it is your evidence if you ever need to file a CFPB complaint. The packet includes a step-by-step checklist.
Can it help with a bankruptcy?
Yes, including dismissed bankruptcies. It checks the dates, status and verification on the record, writes the removal request and verification demand to each bureau, and drafts the letter to the court clerk.
Is my information safe?
Your PDFs are never stored. They are read once to build your audit. If you create an account, your letters and report details are saved to your private account, only you can see them, and you can delete everything with one button. We only ever use the last 4 digits of your Social Security number.
Can I cancel?
Anytime, from your dashboard. You keep access through the month you paid for.
Find out what's on your report today.
The scan is free and takes a few minutes. You'll see every problem and every letter before you pay anything.
Start my free scan →