About 1 in 5 people find an error on their credit report that gets erased after they dispute it.
The kit walks you through pulling your three free reports and checking them line by line.
It points you to the accounts, balances, and dates that are most often wrong, including the small ones that hold your score down. You mark what does not look right and it carries straight into your dispute.
Mass-produced dispute letters get dismissed. Yours will not read like one.
You answer questions about your dispute and the kit generates a specific letter, filled in with your answers, that cites the right consumer law and asks for exactly what you need. Review it, change anything, then copy, print, or save it, sign it, and send it yourself.
Get all three free reports and check them with the kit's guide.
The app generates a specific dispute letter for each error, filled in from your answers.
Each bureau has 30 days to respond. The kit will help you keep track.
If a bureau will not correct a real error, the kit shows you how to escalate.
When an account was opened in your name without your permission, there is a faster federal block process. The kit walks you through it step by step, so the fraudulent account is removed quickly instead of dragging on.
The dispute is free to file. A repair company charges you every month to send the same kinds of letters you can send yourself.
Send each dispute by certified mail with return receipt. The bureau's 30-day window starts the day they receive it, and the receipt is your proof of that date. The kit reminds you to save it.
A ZIP file with the kit, an app that opens in any browser on your phone or computer, and a one page Start Here guide. It downloads instantly after purchase.
No. After it loads once, the kit works fully offline. There is no account and no sign up. Everything you type saves on your own device only.
Any modern browser, on a phone, tablet, or computer. You can add it to your phone's home screen and it opens like a normal app.
Unzip the download, open the kit in any browser, and add it to your home screen. The Start Here guide walks you through it in about 30 seconds.