About
We're building the credit defense tool we wished existed.
Just Dispute IT exists because the credit-repair industry is broken. Predatory companies charge $99–$200/month for letters anyone can write for free under the Fair Credit Reporting Act. We're replacing that with software that respects you, costs almost nothing, and keeps you in control.
What we believe
Credit data is personal.
Your credit report is a financial fingerprint. The wrong company holding it can cause real damage. We treat it the way we'd treat our own.
The FCRA is on your side.
Federal law gives you the right to dispute inaccuracies and demand verification. Most people just don't know it. We make it easy.
AI should empower, not replace, you.
We draft. You read, sign, and send. You stay in the loop — and the legal driver's seat.
Transparent beats hyped.
No fake testimonials. No score-boost promises. We tell you what works, what doesn't, and what's still on the roadmap.
Founded by someone who's been in the trenches.
The Founder
Builder · operator · advocate
The founder spent years inside the credit industry watching the same pattern play out: families paying $99/month for years, getting nowhere, while the bureaus and furnishers ignored letters that were never going to work. Just Dispute IT is the version that does — letters built around the parts of the FCRA that actually trigger investigations, an AI audit that finds the inaccuracies most consumers miss, and pricing that doesn't require a subscription.
What we are. What we aren't.
| A software platform | A law firm |
| A consumer-rights tool | A credit repair organization (CROA) |
| A letter generator + audit engine | A company that contacts bureaus on your behalf |
| FCRA + FDCPA aligned | A guarantor of score outcomes |
| Transparent + flat-priced | A monthly subscription trap |
Working with us
Press, partnerships, integrations, advocacy. We're open to conversations with reporters, consumer advocates, nonprofits, fintech partners, and credit unions building consumer-first products.