JUST DISPUTE IT

Log in Start free

FINANCIAL DEFENSE SOLUTIONS

Every reporting problem. Every remedy.

Pick your situation. We handle the strategy, the citations, and the paper trail — across 15 dispute categories and every major consumer reporting agency.

Start a free audit How it works

Solutions

Every reporting problem, every remedy.

Pick the situation. We handle the strategy, the citations, and the paper trail.

Credit Report Errors

Every reporting error, professionally challenged.

23Letter types across every reporting scenario

Debt Collections

Turn every collector into a compliance problem.

30 daysStatutory validation clock, tracked to the minute

Charge-Offs

Stop paying for accounts the furnisher can't verify.

7 yearsAbsolute reporting limit — no exceptions under §605

Late Payments

One late payment shouldn't cost 100 points.

35%Share of FICO score determined by payment history

Identity Theft

Freeze, dispute, recover — in the right order.

4 days§605B statutory block window — the fastest remedy in the FCRA

Medical Collections

Medical debt has different rules. We know them.

$500Threshold under which medical collections cannot report

Student Loans

Federal, private, defaulted, IDR — a strategy for each.

7.3MBorrowers currently eligible for Fresh Start remediation

Bankruptcy Reporting

Every account discharged. Every one verified.

$0Correct balance for every discharged account post-Chapter 7

Judgments

Verify the record. Remove the report.

3 fieldsMinimum PII match required for a public record to appear

Evictions

Rental history should reflect reality, not a mistake.

7 yearsMaximum reporting window under §605 for eviction filings

ChexSystems

Get back to banking. Fast.

5 yearsMaximum ChexSystems reporting window for negative entries

LexisNexis

The file behind every insurance and rental application.

AnnualFree LexisNexis disclosure guaranteed under §609

Employment Screening

A background check should never cost you the job.

5 daysTypical pre-adverse action response window

Tenant Screening

Rental denials, reversed.

6 agenciesTenant screening CRAs covered by the platform

Business Credit

Build a business credit profile that funds itself.

3 filesBusiness bureaus we monitor and dispute across