Priority dispute map
Every derogatory item ranked by credit score impact and age. We tell you exactly what to dispute first, what to leave alone, and why.
We analyze your file line by line — every collection, late payment, and FCRA violation — draft custom dispute letters for your top items, and deliver a written action plan in 48 hours. What credit repair companies charge $150/month for. One payment.
✓ No credit pull · No subscription · 7-day money-back guarantee · SSN auto-redacted before review
Sample — illustrative only
No upsells, no follow-up offers. You pay once and receive everything below.
Every derogatory item ranked by credit score impact and age. We tell you exactly what to dispute first, what to leave alone, and why.
Not a generic checklist — a written plan specific to your file. Month-by-month actions, what to send, who to contact, in what order.
We draft ready-to-send dispute letters for your top priority items — already addressed to the right bureau or collector, specific to your file. Not templates. Yours.
What to dispute, what to negotiate, what to pay, and what to ignore. Every collection account handled individually — not generically.
Exact steps for adding positive data — which secured cards, credit-builder accounts, and authorized user strategies make sense for your profile.
Every module from the $27 course included free. Understand the system you're working with as you execute your plan.
No consultations, no back-and-forth. You upload once — we do the analysis and deliver a ready-to-execute plan.
After checkout you'll receive a secure upload link. Get your report free from Credit Karma or annualcreditreport.com — PDF, JPG, or PNG accepted. AI auto-redacts your SSN, name, and address before a single human eye touches your report. The reviewer only ever sees your credit data.
Takes ~5 minutesPersonal identifiers removed first. Then we apply FCRA law to every item — flagging violations, calculating SOL windows, ranking disputes by impact, and mapping your rebuild path.
48–72 hoursA written PDF plan lands in your inbox. Open it, follow the 30-day steps, and come back at 60 days to check progress and repeat.
Delivered to emailEvery audit covers your full file — FCRA violations, SOL status, collection strategy, rebuild opportunities. Nothing skipped.
Credit Karma gives you your full report at no cost — no credit card, no trial, nothing to cancel.
Go to creditkarma.com and create a free account
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"Went with the audit because I didn't know where to start on my own. Got a plan back in 2 days — exactly which items to dispute first, which templates to use. Way easier than trying to figure it out myself."
"Had a repo and 4 collections I didn't know what to do with. The plan told me exactly which ones to dispute, which one to let fall off on its own, and which to negotiate down. Got the repo removed in 60 days."
"Was paying $120/month to a credit repair company for 8 months. Switched to this. The audit gave me more specific information in one PDF than they gave me in 8 months combined. Cancelled the subscription that same day."
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Real answers to real objections — not filler.
Custom letters drafted for your exact report. Every FCRA violation identified. Written action plan delivered in 48 hours. Join 2,400+ people who've fixed their credit using this system.
7-day money-back guarantee · $47 one-time vs $150/mo credit repair · No subscription, ever.
Learn the full FCRA dispute system and work your own report. Every tool you need — 8 modules, 14 ready-to-send letter templates, and a 30/60/90 day framework. Instant access after payment.