How it works

Five steps. Same playbook the pros use.

Credit repair is mostly process. Letters in, letters out, paper trail in between. We automate the process — you keep the paper trail and the result.

1. 01

   Upload your credit report

   Bring your Experian, Equifax, or TransUnion report — or pull a free one from AnnualCreditReport.com. No hard pull required.

2. 02

   AI identifies inaccuracies

   The Violation Detector scans for duplicates, re-aged debt, incorrect balances, mixed files, and other FCRA/FDCPA issues.

3. 03

   Select your dispute strategy

   Pick which items to challenge and which angle to use. The Smart Dispute Engine adapts wording to the account, bureau, and your state's law.

4. 04

   Generate professional documents

   One click produces bureau disputes, debt validation letters, goodwill letters, inquiry removals, or ID theft packets — every one cites the right statute.

5. 05

   Track responses

   Use Certified Mail Automation to send. The Vault stores every letter, USPS receipt, and bureau response in one place.