Everything included
Only features that actually exist in the product today — anything still in progress is marked "Coming soon."
Credit-report organization
Upload a PDF or HTML export (including 3-bureau tri-merge files), or add tradelines by hand. Each account is organized by bureau, status, and balance.
Potential-issue review
Accounts are checked against common negative-item and Metro 2 patterns and flagged for you to review — you decide what actually gets disputed.
Personalized letter drafting
AI-assisted drafting cites the specific FCRA basis for each dispute (or Metro 2 field-level challenges on Premium). You review every letter before it's final.
Evidence organization
Attach proof of address and identification to your account for use alongside a mailed letter.
Dispute-round tracking
Every dispute opens a tracked cycle with the bureau's response window and an escalating strategy for the next round if one is needed.
Deadline reminders
We flag rounds whose response window has closed so nothing falls through the cracks.
Document storage
Uploaded reports and documents live in access-controlled storage tied to your account.
Download-ready letters
Every generated letter is available as a print-ready PDF addressed to the correct bureau. Mailing is currently self-service — you print, sign, and send it.
Credit-score reading
When your uploaded report includes a score, we read and display it per bureau alongside your flagged items.
Educational credit audit
A branded PDF summary of your flagged items and what carrying negative information can cost on common loan types, generated from your own report data.
Consumer-controlled review
Nothing is downloaded, mailed, or shared without your review. A signed client agreement discloses your CROA cancellation rights up front.
Automatic credit-monitor importComing soon
Connect MyFreeScoreNow or CreditHeroScore and have your report pulled automatically — no manual upload.