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Upload your reports, identify inaccuracies, generate dispute letters, track investigations, and organize supporting evidence — all in one place.
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The Process
Import PDFs from Equifax, Experian, and TransUnion. Our parser extracts every tradeline, account, and inquiry automatically.
AI scans your reports against FCRA standards and flags errors, outdated entries, and unverifiable debts worth disputing.
Bureau-ready dispute packets are built for you — formatted to FCRA §611 requirements, ready to mail or send certified.
FCRA gives bureaus 30 days to respond. We count every day and alert you when deadlines approach or are missed.
Accountability
Filing a dispute is easy. Knowing whether the bureau actually responded on time is the hard part — that's the part we automate.
Dispute letters go out certified through our mailing partner. Delivery scans come back automatically and start your investigation clock the day the bureau actually receives it — not the day it was mailed.
The FCRA gives bureaus 30 days to investigate — 45 if you submit additional information during that window. Our system tracks both timelines automatically and flags any round that runs past deadline with no response.
Every approval, every letter generated, every delivery confirmation, and every bureau response is timestamped and logged — an audit trail you can point to, not a folder of guesses.
Import your first credit report in minutes. Our AI does the heavy lifting.
Start Credit BuilderUpload bureau responses and our AI classifies results: deleted, corrected, or still disputed — with round 2 ready if needed.
We don't guarantee removal or any specific outcome — bureaus and furnishers decide the result of every dispute.
A daily automated check reviews every active dispute for missed deadlines and mail that hasn't moved, so problems get caught early instead of surfacing when it's too late to act.
Want the full picture on how we protect your data too? See our Security page.