🤖 AI-Powered Dispute Engine

Your Dispute Portal

Upload your credit report, let our AI audit every account, and generate legally aggressive dispute letters ready to mail to all 3 bureaus.

Info

Documents

AI Audit

Letters

Your Personal Information

Appears on your dispute letters exactly as entered. Use your full legal name and current mailing address.

IdentityRequired

Full Legal Name

Date of Birth

Last 4 of SSNUsed on letter header only — never stored

Phone Number

Email AddressCompleted dispute package emailed here

Current Mailing AddressRequired

Street Address

City

State

ZIP Code

⚡ CREDITOR ENFORCEMENT LETTERS

Go Directly After Creditors

Bureau letters dispute the report. These letters go straight to the furnisher — the creditor or collector reporting bad data. Legally aggressive, litigation-ready, certified mail.

⚖️

Charge-Off C&D

FCRA §605(c) re-aging + FDCPA §807 + TILA violations. Targets creditors reporting inaccurate charge-off data.

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🛑

FDCPA Cease & Desist

Any derogatory account. Invokes §1692c(c) to stop ALL collector contact. Cites Daugherty & Clark case law.

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📋

Affidavit Dispute Letter

Full FCRA/FDCPA/TILA affidavit sent to all 3 bureaus. Sworn statement + disputed items + 10-day deletion deadline.

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🔍

Hard Inquiry Removal

Demands deletion of unauthorized hard inquiries. Cites §1681b permissible purpose + Nayab v. Capital One (9th Cir. 2019).

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📅

Late Payment Deletion

Demands removal of unverifiable late payment marks. Cites §1681e(b), §1681i + Drew v. Equifax (9th Cir. 2012).

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📨

Debt Validation + Cease Collection

FDCPA §1692g validation demand + §1692c cease collection. Requires chain-of-title, signed contract, license number.

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👨‍👧

Child Support Removal

14-day ultra-aggressive litigation letter. Cites 42 U.S.C. §666, Gillespie v. Trans Union, TransUnion v. Ramirez.

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🏦

Charge-Off Removal (Bureaus)

IRS §61 income argument + Metro 2 compliance + 1099-C demand. Cites Pedro v. Equifax, Gorman v. Wolpoff, Safeco v. Burr.

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💳

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🏦

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