The full process
From PDF to certified mail in an evening.
Most services hide the work behind a monthly subscription. We show you exactly what happens at each step — and give you the tools to do it yourself, faster.
- 01
Pull your free reports
Federal law guarantees you a free copy from each bureau every week. We'll walk you through it.
- Visit annualcreditreport.com (the only federally-authorized source).
- Download a PDF from each of Experian, Equifax, and TransUnion.
- Save the PDFs — that's all you need before you start.
- 02
Upload to your dashboard
Drag the PDFs into your account. We parse them in seconds — no transcription, no copy/paste.
- Files are encrypted at rest and only visible to you.
- We extract every tradeline (open + closed), with bureau attribution.
- Re-uploads are idempotent — newer reports replace older parses cleanly.
- 03
Review your dispute candidates
Our engine ranks the items most worth challenging. Each candidate explains why.
- Collections, charge-offs, late payments, past-due balances, and duplicate listings get flagged.
- Severity 1–5 tells you which to prioritize.
- Suggested dispute language is pre-filled and editable.
- 04
Generate FCRA-compliant letters
One click drafts a letter for every bureau the item appears at — with the right legal citations.
- Letters cite FCRA §611(a) (your right to dispute) and §623 (furnisher accuracy).
- Bureau mailing addresses are pre-filled; sender block uses your profile.
- Account identifiers and reasons match the candidate exactly.
- For fraud-flagged items, file a parallel CFPB complaint at consumerfinance.gov/complaint/.
- 05
Send: download or certified mail
Print + sign + mail certified, or use a mail-merge service. We track who you sent what.
- Download as PDF and mail certified-with-return-receipt for the strongest paper trail.
- Print and mail the CFPB complaint alongside the bureau letters when applicable.
- Include a copy of your photo ID and Social Security number so the bureau can verify it's you.
- Mark each dispute as 'Sent' so we can start the FCRA clock.
- All three bureaus must respond within 30 days of receipt.
- 06
Track responses + re-dispute as needed
Bureaus either remove, update, or verify. If they verify and you disagree, we draft a follow-up.
- Upload the bureau response when it arrives — we'll attach it to the dispute.
- If a furnisher fails to substantiate, you have grounds for a method-of-verification follow-up.
- Pull a fresh report 45–60 days later to confirm changes propagated.
Ready to see what's on your reports?
Start with the free assessment — no card, no commitment.