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YOUR FINANCIAL DEFENSE, ON YOUR TERMS

Understand your credit report. Take back control.

Just Dispute IT reads your report, flags what looks wrong, and drafts the letters. You review and approve every step — you stay the consumer of record, always.

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Educational self-help tooling. Not a law firm. Results may vary.

Financial Health · Sample

Nova scans, Sentinel flags, Scribe drafts — you approve every send.

Vault encrypted · AES-256

Encryption

AES-256

Every document encrypted at rest

Compliance

5 statutes

FCRA · FDCPA · FACTA · CROA · HIPAA aligned

Independence

100%

You stay the consumer of record

Transparency

Immutable

Every action logged, every letter cited

Aligned with the frameworks that matter

Full security details →
FCRA §611FCRA §623FCRA §605BFCRA §609FDCPA §1692gFDCPA §1692eFACTA §112CROA — safeHIPAA — awareCFPB guidelinesFCRA §611FCRA §623FCRA §605BFCRA §609FDCPA §1692gFDCPA §1692eFACTA §112CROA — safeHIPAA — awareCFPB guidelines

The problem

Credit reports are confusing by design.

Most people don't have the time to research statutes, track deadlines across three bureaus, and draft a properly cited dispute letter — and most credit repair companies want a monthly retainer to do it for you.

Errors are easy to miss

Duplicate accounts, re-aged debt, mismatched dates — buried in pages of dense tradelines across three separate bureau reports.

The clock is unforgiving

The FCRA gives bureaus a fixed window to respond. Miss the follow-up, and a dispute quietly stalls with no one tracking it.

DIY takes real research

Knowing which FCRA or FDCPA section applies to your specific situation — and citing it correctly — is its own skill.

Retainers add up

Traditional credit repair charges a monthly fee whether or not anything actually changes that month.

How it works

From upload to informed action, on rails.

Four steps. Each one automated. Each one auditable. Each one owned by you.

01

Upload your credit report

PDF, HTML, or MHTML — from any bureau or specialty CRA. We handle every format.

02

AI finds what looks wrong

Every account, every field, checked against FCRA accuracy standards in seconds — with the citation attached.

03

Send the right letter

23 dispute strategies matched to the account and the round. You review and approve before anything goes out.

04

Track it to resolution

Every bureau and furnisher reply is measured against its statutory clock. Missed windows escalate automatically.

See it work

Pick a situation. Watch Scribe draft the letter.

This is the real letter engine running live in your browser — using a sample consumer and account so you can see it before you sign up.

Situation

Tone

Bureau Dispute -- ExperianLIVE PREVIEW

Sample consumer · Jordan Rivera

Re: Dispute of inaccurate information -- Sample Bank To Experian: I am writing under the Fair Credit Reporting Act, 15 U.S.C. § 1681i, to dispute the following item reported on my credit file. * Creditor / furnisher: Sample Bank * Nature of the dispute: the reported balance is incorrect and inconsistent with my records. * Additional detail: This account is reporting a balance that doesn't match my records. Because the reported balance is incorrect and inconsistent with my records, I am demanding that Experian conduct a reasonable reinvestigation and either correct or delete the disputed item within the 30-day win…
15 U.S.C. § 1681i (FCRA § 611)15 U.S.C. § 1681s-2(a)15 U.S.C. § 1681e(b)

Real letters are personalized to your exact facts by Scribe and reviewed by you before anything sends — this sample never leaves your browser.

Generate my real letterOr scan my report
More free toolsDispute Readiness QuizCredit Error ScannerCollection Age CalculatorDebt Validation WizardFinancial Health Check

Why Just Dispute IT

A complete AI Financial Defense Suite — not another letter tool.

Identify reporting errors faster

Nova and Sentinel scan every tradeline across all three bureaus and flag what looks inaccurate — with the FCRA or FDCPA section it may violate.

Challenge it with the right letter

23 dispute strategies, matched by account type and round, drafted by Scribe and reviewed by you before anything sends.

Keep every document and deadline in one place

Vault encrypts your paper trail. Tracker holds every bureau and furnisher response to its statutory clock.

Stay the consumer of record

You approve every letter. Nothing goes out, and nothing changes, without your sign-off.

AI Ecosystem

Ten AI specialists. Four things they do.

Nova, Sentinel, Lex, Scribe, Atlas, Tracker, Vault, Pulse, Beacon, and Oracle — grouped by what they actually do for you.

See all 10 specialists →
AnalyzeRead the report and find what's wrong.

NovaCredit Audit AI

The first AI every customer meets.

→

SentinelViolation Detection AI

Every account, every field, every anomaly.

→

LexConsumer Law Intelligence AI

The FCRA, in plain English.

→
ResolveDraft the letters and plan the sequence.

ScribeDispute Letter AI

The right letter, ready to print.

→

AtlasStrategy AI

The right move, in the right order.

→
ProtectKeep documents and identity secure.

VaultDocument Vault AI

Encrypted, indexed, always searchable.

→

BeaconIdentity Protection AI

Watchtower for your identity.

→
MonitorTrack deadlines, health, and next steps.

TrackerTimeline AI

Every letter, every clock, every deadline.

→

PulseFinancial Health AI

The heartbeat of your financial identity.

→

OracleInsight AI

The one you ask when you don't know what to ask.

→

Every agent runs inside your encrypted vault, cites its sources, and hands control back to you at every step. Educational — not legal advice.

Explore the ecosystem →

Dashboard walkthrough

Everything you just saw, in one command center.

Score, disputes, letters, and every agent's activity — the view you get once you're signed in. Sample data below.

Nova · Credit Audit AI

Welcome back. Your Financial Health Score refreshed this morning. I've queued 3 recommendations from Atlas and 1 letter draft from Scribe for your review.

Standing by

AI Suite · 10 specialists on duty

All operational
NovaSentinelLexScribeAtlasTrackerVaultPulseBeaconOracle
dashboard.justdisputeit.comSAMPLE DATAAll systems operational

Credit health

Blended across 3 bureaus

Live
0
/ 850
Experian
692
Equifax
674
TransUnion
668

90-day forecast

+42 points projected

Confidence 92%
Accounts monitored
24
↑ 2 this month
Reporting errors
7
-3 removed
Disputes active
4
2 responded
Letters sent
18
USPS confirmed
Vault items
142
Encrypted
Investigations
2
Awaiting bureau

Financial health timeline

Score trajectory

Start

498

Current

680

Δ Gain

+182

Recent activity

Live
Experian confirmed a §611 dispute
Tracker · Duplicate collection removed · 2h ago
Nova flagged 4 potential errors
Nova · Report analyzed · 5h ago
Round 2 letters generated for Equifax
Scribe · 3 letters queued · 8h ago
New inquiry detected on your file
Beacon · Verified as authorized · yesterday

Sample data — illustrative example, not a live account

23

Letter strategies

3

Bureaus covered

2

Specialty CRAs monitored

AES-256

Vault encryption

Case archetypes

The exact plays, verifiable in the statutes.

We're pre-launch, so we won't put fake customer quotes on the page. What we can show you is the specific statutory playbook the AI runs — and the outcomes courts and the CFPB have already recognized.

Case archetype 01Statutory playbook

The 'verified — no change' stonewall

The situation
A collector's tradeline shows a re-aged DOFD across two bureaus. First-round §611 comes back 'verified.'
The play
Escalate with §611(a)(7) method-of-verification demand, cite the DOFD variance, file a parallel §623(a)(8) direct dispute with the furnisher.
Recognized outcome
In documented CFPB complaint outcomes, forced disclosure of MOV frequently results in the reinvestigation being reopened or the item deleted.

4 bus. days

Statutory MOV response window

FCRA §611(a)(7)FCRA §623(a)(8)FCRA §605(c)
Case archetype 02Statutory playbook

Identity theft — block, don't dispute

The situation
Consumer discovers three fraudulent accounts opened in their name. All three appear on Experian.
The play
File FTC IdentityTheft.gov report. Submit §605B block affidavit + ID to bureaus. Notify furnishers directly under §623.
Recognized outcome
Under §605B(a), CRAs must block the identified information within 4 business days of receipt — no §611 investigation required.

4 bus. days

Mandatory block, not a dispute

FCRA §605BFCRA §609(e)FCRA §623(a)(6)
Case archetype 03Statutory playbook

The FDCPA 30-day debt validation window

The situation
Junk-debt buyer sends dunning letter. Consumer disputes in writing within 30 days.
The play
§1692g(b) requires the collector to cease collection until it mails validation. Continued collection is a statutory violation.
Recognized outcome
Documented outcomes: junk-debt buyers frequently cannot produce chain-of-assignment. Continued reporting after invalid validation opens §1692e claims.

$1,000

Statutory damages ceiling per §1692k

FDCPA §1692g(b)FDCPA §1692e(8)15 U.S.C. §1692k
Case archetype 04Statutory playbook

Medical collection — post-NCAP under $500

The situation
Medical collection under $500 reported by two bureaus after the July 2023 NCAP change.
The play
Cite the National Consumer Assistance Plan medical-debt rule. Any medical collection under $500 is not to be reported. File §611 accuracy dispute.
Recognized outcome
Post-NCAP, all three bureaus have committed to removing medical collections under $500. Verified inaccurate reporting is a §623(a)(2) furnisher issue.

$500

Reporting floor under NCAP

NCAP medical debt rule (2023)FCRA §623(a)(2)HIPAA privacy override
Note. These archetypes reflect statutory playbooks and recognized regulatory outcomes, not individual customer results. Every dispute depends on facts, evidence, and the furnisher's response. Just Dispute IT is not a law firm and does not guarantee removal.

Pricing

Priced like software. Not like a credit repair company.

No $99/month retainers. No 6-month lockups. Cancel anytime — 14-day guarantee on paid plans.

Start fighting inaccuracies today.

Free

$0/mo
  • Dispute Letter Generator
  • 100MB document storage
  • Basic dispute tracking
  • No card required
Generate my first letter
Most PopularEverything serious credit-builders need.

Plus

$14.99/mo
  • 1 AI Credit Audit / month
  • All 23 letter types
  • 5GB encrypted vault
  • Certified mail tracking
Start with Plus
7-Day Free TrialTry free for 7 days, then $29/month.

Pro

$29/mo
  • 7-day free trial, card required
  • Unlimited AI Credit Audits
  • Family Credit Vault (4 members)
  • Advanced analytics & reports
Start free 7-day trial

One-time options — $29 AI Credit Audit, $14.99 Premium Letter Export — available at checkout. 14-day money-back guarantee on Plus and Pro. Cancel anytime from your dashboard.

The category, honestly

Just Dispute IT vs the $1,200-a-year retainer.

Traditional credit repair companies charge monthly retainers for work you can automate. DIY is free but slow. We built the third option — the AI you should always have had.

Business model

  • Just Dispute IT

    Software you own

  • Credit repair company

    Monthly retainer

  • DIY templates

    Free but manual

Typical cost (12 months)

  • Just Dispute IT

    $29 one-time / $29 mo

  • Credit repair company

    $700 – $1,200 / year

  • DIY templates

    $0 + your time

AI-drafted disputes

  • Just Dispute IT

    23 strategies

  • Credit repair company

    Boilerplate templates

  • DIY templates

    Whatever you download

FCRA / FDCPA citations

  • Just Dispute IT

    Automatic, per letter

  • Credit repair company

    Varies by company

  • DIY templates

    You research each one

Cross-bureau audit

  • Just Dispute IT

    All 3 + ChexSystems + LexisNexis

  • Credit repair company

    Usually the big 3 only

  • DIY templates

    You track it manually

Certified mail tracking

  • Just Dispute IT

    USPS integrated

  • Credit repair company

    Rarely included

  • DIY templates

    Post office trip

Consumer ownership

  • Just Dispute IT

    You are on record

  • Credit repair company

    They act 'on your behalf'

  • DIY templates

    You are on record

CROA cancellation rights

  • Just Dispute IT

    Cancel anytime, no lockup

  • Credit repair company

    Statutorily required

  • DIY templates

    N/A

Data ownership

  • Just Dispute IT

    Your encrypted vault

  • Credit repair company

    Their CRM

  • DIY templates

    Your filing cabinet

Traditional credit repair pricing based on published rates from major providers (Lexington Law, CreditRepair.com) as of 2024–2025. Just Dispute IT is not a credit repair organization under the CROA — we sell software, and you remain on record for every dispute.

Frequently asked questions

Answers before you have to ask.

Is Just Dispute IT a credit repair company?
No. We're a technology platform, not a credit repair organization under the CROA. We prepare documents; you sign them and remain the consumer of record. That distinction is important — it's what keeps everything defensible and legally clean.
Is any of this legal advice?
No. We're not a law firm and we don't practice law. What we do provide is self-help document preparation, statutory references, and workflow automation. If your situation is complex, we'll point you toward a consumer attorney — many take FCRA/FDCPA cases on contingency.
Can't I just do this myself for free?
Yes. Every letter template we generate could, in theory, be written by hand and mailed for the cost of a stamp. Just Dispute IT exists to do the research, drafting, tracking, and escalation work for you. Our free generator is genuinely free forever.
How long do results take?
Bureaus have 30 days (45 in some cases) to complete a §611 investigation. Realistic wins land in the 30–90 day window. Complex cases with multiple accounts or public records can take 3–6 months. We track every clock automatically.
What does it cost?
The generator is free. A premium single letter with certified mail is $14.99 one-time. The full AI Credit Audit is $29 one-time. Memberships are $14.99/month for Plus or $29/month for Pro (unlimited letters, monitoring, vault, coaching) — both with a 14-day money-back guarantee.
How secure is my data?
AES-256 at rest, TLS 1.3 in transit, cell-level encryption on sensitive fields. Documents in the vault are encrypted before storage. We're not in the business of selling data, ever.
Do you work with mortgage brokers, credit unions, or attorneys?
Yes. We offer white-label deployments, an API, and enterprise SSO. Visit our Enterprise page or email enterprise@justdisputeit.com.
What if a bureau refuses to remove an item?
Then we escalate. Method-of-verification demands, furnisher direct disputes under §623(a)(8), CFPB complaints, state AG referrals, and (when warranted) consumer-attorney routing. The engine knows the next move at every stage.
Just Dispute IT

Protect My Credit. Start with a free audit.

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