Automated, legally-compliant dispute letters. Certified mail delivery. Timed follow-up sequences. Federal escalation. Every step tracked, documented, and enforced.
Every situation is different. But every situation has a solution.
Answer 4 quick questions. Takes less than 30 seconds.
Bad credit isn't just a number. It's a tax on your entire life.
You're paying thousands more per year on every loan, credit card, and mortgage because of inaccurate reporting.
Apartments, jobs, insurance, business loans — all denied or priced against you because of errors you didn't cause.
Without action, negative items stay on your report for 7-10 years. Every month of inaction extends the damage.
But here's what changes everything:
You have the legal right to dispute every inaccuracy — and force the bureaus to prove it or delete it.
Errors on your report. Denied applications. Higher rates. You're paying for mistakes that aren't yours.
Your disputes are filed. Certified letters are mailed to all three bureaus. Every item is challenged with legal precision.
Federal law requires a response within 30 days. Items that can't be verified must be removed. The pressure builds.
Non-responsive bureaus face CFPB complaints and follow-up enforcement letters. The system doesn't stop until they comply.
Inaccurate items removed. Score climbing. Better rates, approvals, and opportunities. You're in control.
Every step is automated, documented, and legally enforced.
Enter your details and the accounts you want to dispute. Our system identifies the strongest legal angles.
AI-powered, legally-compliant dispute letters are created — citing FCRA, FACTA, and Metro 2 violations specific to your case.
Letters are printed and mailed via USPS Certified Mail with return receipt. Every delivery is tracked and documented.
At Day 16 and Day 45, the system automatically sends escalation letters if bureaus haven't responded.
Non-compliant bureaus face federal complaints. The system generates CFPB filings with full documentation.
Real-time dashboard shows every letter, delivery status, bureau response, and score impact — all in one place.
They profit from your data. They make mistakes. And they count on you not knowing your rights.
of credit reports contain at least one error, according to FTC studies.
of consumers have errors serious enough to affect their credit decisions.
in revenue generated annually by credit bureaus — from selling YOUR data.
is all the time bureaus have to verify a disputed item. If they can't, it must be deleted.
Under the FCRA (15 U.S.C. 1681), you have the right to dispute any inaccurate information — and the bureaus are legally obligated to investigate or remove it.
Enforcement-grade disputes produce enforcement-grade outcomes.
"I had 7 collections that weren't mine. The system got 6 removed in the first round."
"Late payments from 3 years ago were dragging me down. All 4 disputed items were deleted."
"Identity theft destroyed my credit. The enforcement letters and CFPB escalation got everything cleaned up."
Results vary by individual case. Score improvements depend on the nature and number of disputed items, bureau response times, and individual credit profiles. Past results do not guarantee future outcomes.
| Feature | autofix.credit | DIY | Traditional Repair | Templates |
|---|---|---|---|---|
| Legally-compliant dispute letters | ||||
| Metro 2 violation detection | ||||
| Automated certified mail delivery | ||||
| Timed follow-up sequences | ||||
| CFPB escalation automation | ||||
| Real-time tracking dashboard | ||||
| 40+ targeted dispute products | ||||
| Enforcement-grade legal citations |
The real price of inaction — calculated.
| Category | Good Credit | Bad Credit | Annual Loss |
|---|---|---|---|
| Auto Loan (5yr, $30K) | $540/mo | $680/mo | $1,680 |
| Mortgage (30yr, $300K) | $1,800/mo | $2,340/mo | $6,480 |
| Car Insurance | $120/mo | $210/mo | $1,080 |
| Security Deposits | $0 | $200-500 | $500 |
| Credit Card APR | 15% | 26%+ | $1,100 |
| Total Annual Cost of Bad Credit | $10,840 | ||
That's $10,840 per year — or $54,200 over 5 years — lost to credit report errors you can legally dispute.
Every letter, every dispute, every escalation is backed by federal consumer protection statutes.
Fair Credit Reporting Act
15 U.S.C. 1681 — Your right to accurate credit reporting and dispute resolution.
Fair & Accurate Credit Transactions Act
Enhanced consumer protections including free annual reports and fraud alerts.
Credit Reporting Standard
The data format standard that furnishers must follow — violations are disputable.
Consumer Financial Protection Bureau
Federal enforcement agency that holds bureaus accountable when they fail to comply.
Complete automated credit dispute platform
You've seen the data. You know your rights. You understand what inaction costs. The only question left is: how much longer will you let inaccurate information control your financial future?
Average annual cost of bad credit:
$10,840/year