How it works
Nine steps from a PDF on your desktop to a tracked, multi-round credit repair campaign.
1. Create your account
One short form. No credit card required to start, and no manual data entry to get moving.
2. Import a report
Paste or upload a report from any supported provider. Provider-specific parsing runs first, with a generic parser as fallback.
3. Confirm what we extracted
Accounts, balances, remarks, inquiries, public records and personal information appear with confidence scores. Only low-confidence fields need your attention.
4. Read your AI analysis
A plain-language summary of your profile, the negative items holding you back, potential removals, an illustrative improvement range and a timeline estimate.
5. Approve the action plan
Prioritized, dated tasks with dependencies. The Next Best Action always tells you what to do right now.
6. Generate documents
Dispute letters by round and bureau, pay-for-delete offers, goodwill letters, complaint packets, evidence indexes and mailing packets.
7. Mail and track
Record the mail date and tracking number. The 30-day response clock starts automatically.
8. Handle responses
Upload the bureau's reply. It is read, classified, linked to the case, and the recommended next action is queued — including escalation to the next round.
9. Keep building
Credit growth and business credit recommendations, negotiation workflows and student loan reviews continue after the disputes are done.