Fair Credit Reporting Act · 15 U.S.C. §1681
Find what is wrong in your credit file, then mail it certified.
We read every tradeline on all three reports and flag the items that are inaccurate, unverifiable or past their reporting window. Each flag carries the statute behind it, so you decide with the rule in front of you instead of a score with no reason attached.
Equifax Information Services LLC · P.O. Box 740256, Atlanta GA 30374
The bureau has thirty days to reinvestigate. Proof that you mailed it is the whole point.
The process
Watch the whole thing in a minute.
Free analysis, every line read against the statute, your approval, certified mail with a return receipt, then the thirty-day clock — and the concierge for the filings you would rather not touch yourself.
How it works
Five steps, starting with a freeze, with your signature on the last one.
Nothing is mailed until you have approved each item and signed the letter. If you disagree with a flag, you skip it and it never leaves the building.
Freeze the file first
Before anything is disputed, a security freeze goes out so no new account can be opened in your name while the file is being cleaned. Free online at Equifax, Experian and TransUnion; we mail the ones that have no portal — Innovis, Clarity, DataX, LexisNexis and the rest.
Upload the three reports and your ID
Equifax, Experian and TransUnion, plus one proof of address. Files are encrypted at rest and never served from a public path.
We parse every tradeline and flag defects
Ten checks run against each account: age, date of first delinquency, duplicate reporting, a late sequence that could not have happened, balance above the high credit, a collection with no original creditor, and conflicting data across bureaus.
You approve, skip or mark it not mine
Each item shows the creditor, the balance, the date it was reported and the exact sentence that goes into the letter. Three decisions, one line each.
Letters print, you sign, we mail certified
One itemized letter per bureau, mailed certified with return receipt. The tracking number and the date of mailing start the thirty day clock.
What we flag
Ten checks. Each one is a sentence you can point at.
These are the rules the engine actually runs. Nothing here is a marketing claim about credit repair; each row is a defect a furnisher or bureau is required to correct.
| Check | What triggers it | Relief requested | Statute |
|---|---|---|---|
| Outside reporting window | More than seven years plus 180 days since charge off | Delete | §605(a)(5) |
| Missing date of first delinquency | Collection or charge off with no DOFD reported | Correct or delete | §609(a)(1) |
| Same account reported twice | Identical creditor, balance and account number | Delete duplicate | §611(a) |
| Late payment out of sequence | Ninety day lates with no thirty day late before them | Correct | §611(a) |
| Balance above the high credit | Owed amount exceeds the limit ever extended | Correct | §611(a) |
| Collection with no original creditor | Assignee reported, original creditor blank | Verify or delete | FDCPA §809 |
| Conflicting data across bureaus | Same account, three different balances | Correct all three | §611(a) |
| Inquiry without permissible purpose | Hard pull with no account opened after it | Recode as soft | §604 |
| Identity theft block | Account is not yours and you hold an FTC identity theft report | Block in four business days | §1681c-2 |
| Paid collection still reported as unpaid | Collection paid, status still open or unpaid | Correct to paid | §611(a) |
The clock
What happens after the mail goes out.
The bureau must reinvestigate within thirty days, or forty five if you send new information during the window. Freezes run on a different clock.
Return receipt starts the dated record.
The bureau assigns a dispute number.
They have to answer the item, not the letter.
Item corrected, verified or removed.
If they missed it, that is the complaint.
Cost
One price per round. Postage, printing and certified mail included.
Nothing is billed until the letters have actually been mailed. No subscription, no monthly minimum, no charge for the analysis.
What it actually costs to send
Straight from the mailing house: a three page certified letter is $12.33 — $0.95 base, $0.23 first class upgrade, $0.90 printing, $10.25 certified. The same letter sent first class without certification is $2.08.
A round is three certified letters, one to each bureau, about $37 of postage and printing — a little more when identity documents are enclosed with them. The round is $99 whether it carries one disputed item or nine — three envelopes either way, no charge per item.
You can do this yourself for the price of postage. Freezes are free online at all four bureaus — we only mail one when you need a paper trail for an identity theft block.
Questions
The five that come up before anyone signs up.
Will this raise my score?
Not directly, and anyone who promises a number is selling you something. Removing an inaccurate item can change a score; removing an accurate one usually will not change anything except your file.
What if the item really is mine?
Then we do not dispute that it is yours. We only challenge whether it was reported correctly. If it is accurate in every field, the honest answer is that a dispute will not help and we will tell you so.
Do you log into my bureau account?
No. You keep your own logins. Driving a client's account is an impersonation risk and it contaminates the paper trail. We give you the link and record the confirmation.
How long does it take?
The analysis is same day. Mailing happens after you sign. The bureau then has thirty days from delivery, forty five if you add information during the window.
Can I cancel?
Yes. Florida clients may cancel within three business days of signing with no charge, and nothing is billed until mail has actually been sent.
Start with the analysis. It costs nothing.
Upload the reports, see every flag with its statute, and decide after that.