Upload your credit report. Our AI reads every negative account, identifies exactly what's disputable, and generates legally precise FCRA dispute letters — targeting E-Oscar's automated system and Factual Data weaknesses.
Bureaus use E-Oscar — an automated system that processes disputes with a 2-digit code. Real investigation never happens. Generic letters get ignored.
When you dispute online or send a generic letter, bureaus transmit a 2-digit code to the creditor — no one reads your actual dispute. It's resolved in 72 hours with zero real review.
Bureaus recognize template language. They label disputes "frivolous" under FCRA § 611(a)(3) and close them without investigation — legally.
For work you can do yourself. The disputes they file are under the same federal laws available to every consumer. You don't need a middleman.
Letters that name E-Oscar directly, cite exact FCRA sections, and identify specific errors on the account force bureaus to conduct real human investigations — because they have to.
From credit report to ready-to-mail letters in under 5 minutes.
PDF or text from Experian, Equifax, TransUnion, Smart Credit, IdentityIQ, or any tri-merge report. Drag, drop, done.
Claude AI extracts every negative account — creditor, balance, date, account number, status — and flags specific disputable errors it finds.
Review the extracted accounts, see their dispute priority (high / medium / low), and choose which ones to attack first.
One legally precise letter per bureau, generated with your exact account data, E-Oscar attack language, and specific FCRA citations.
Send via USPS Certified Mail with Return Receipt. The bureau has 30 days to investigate. Keep the green card as your evidence.
Uploads any credit report format and extracts every account automatically — no manual entry. AI identifies creditor name, balance, DOFD, account number, and errors.
Letters explicitly name the E-Oscar automated system and argue that 2-digit code verification does not meet FCRA's "reasonable investigation" standard — forcing human review.
Challenges bureaus' reliance on data furnisher reporting. Demands original documentation proving each data element is accurate under FCRA § 623.
Round 1 bureau disputes, Round 2 Method of Verification demand, Round 3 debt validation, and CFPB escalation complaints — all covered.
Every letter includes the specific errors the AI found on your report — wrong balance, incorrect DOFD, no original creditor listed, duplicate entry, past 7-year window. This is what makes each letter uniquely yours and non-frivolous.
Each letter cites exact FCRA sections, names the E-Oscar system by name, and references the specific errors found on your actual report. No bureau can call this frivolous.
"I uploaded my report, the AI found 3 errors I never noticed — a wrong balance and a DOFD that was way off. The letters it wrote were way more specific than anything I could have put together myself. Two accounts deleted in 60 days."
"I was paying $129/month to a credit repair company. Switched to this, got the same quality letters for a fraction of the cost. Sent Round 1 to all three bureaus in one afternoon."
"The E-Oscar language is the real difference. My first dispute got verified in 72 hours — classic automated response. With these letters citing E-Oscar directly, the next round took 28 days and 4 items were deleted."
Pay once, dispute as many accounts as you need. Cancel anytime. Way cheaper than a credit repair company.
For a single dispute round — one report, one set of letters
Complete dispute program — all rounds, unlimited reports
Run it for clients — multi-client management
Your FCRA rights are free. The letters that enforce them shouldn't cost $129/month. Upload your report and see what's disputable — right now.