Upload your Experian, Equifax, or TransUnion report — AI analyzes every item, identifies what can be disputed, and generates personalized dispute letters under FCRA. Free analysis. No credit repair company needed.
Credit repair is broken. Manual processes, missed deadlines, and inconsistent strategies cost clients points and companies revenue.
Credit specialists manually review each report, write each letter, track each deadline. It doesn't scale.
30-day bureau response windows expire without follow-up. Cases stall. Clients leave.
Most firms use the same generic dispute letter for every item. The wrong strategy wastes months.
Five specialized AI agents work together to manage each case end-to-end.
Client uploads their credit report PDF. AI extracts all relevant data in seconds.
Investigation Agent identifies negative items, data errors, and FCRA violations.
Strategy Agent ranks disputes by impact, selects optimal approach for each item.
Execution Agent generates legally-cited dispute letters — ready to send.
Monitoring Agent tracks bureau deadlines, receives responses, and recalibrates.
Items removed or corrected. New strategy generated for remaining items. Repeat.
Every feature designed to handle 10 clients or 10,000 with the same effort.
Automatically extract all tradelines, inquiries, and negative items from any credit report format.
Multi-agent system selects optimal dispute strategy based on item type, age, and client objective.
Every dispute cites the exact federal law section — FCRA 611, 604, 605 — applied automatically.
Monitoring agent tracks 30-day bureau response windows and auto-escalates on expiration.
Rank each negative item by estimated dispute value. Focus effort on the items most likely to be removed.
Track deletion rate, bureau response rate, dispute status, and case progress across all clients.
Demo loaded with a real case — 4 negative items, charge-off, collection, and late payment strategy in progress.
Start Free AnalysisUpload your credit report PDF to Disputely. The AI analyzes every negative item, selects the best dispute strategy under FCRA §611, and generates a personalized letter. You mail it to the bureau via Certified Mail — bureaus must respond within 30 days.
Collections, charge-offs, late payments, hard inquiries, bankruptcies, repossessions, medical debt, and any inaccurate or unverifiable information. Disputely handles all of these and cites the applicable federal law (FCRA, FDCPA).
Under FCRA §611, Experian, Equifax, and TransUnion must investigate disputes within 30 days. Disputely tracks all deadlines and notifies you when responses are due.
Yes. Disputely is $69/month. Sky Blue costs $79, Credit Saint $79.99, Lexington Law $99.95 — and all use manual processes. Disputely uses AI to generate dispute letters instantly.
No. No service can legally guarantee removal of accurate, verifiable information. Disputely generates FCRA-compliant dispute letters — results depend on the bureau's reinvestigation. We do not provide legal advice.