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Yes — 100%. Every dispute letter is printed, signed, and physically walked into the post office by our team and sent via Certified Mail with Return Receipt. You’ll get tracking numbers and signed green cards in your portal.
Our AI analyzes thousands of data points on your reports in seconds, catches FCRA and FDCPA violations that humans often miss, and creates customized dispute letters proven to get higher removal rates.
Absolutely. We only dispute information that is inaccurate, outdated, incomplete, or unverifiable — exactly what the Fair Credit Reporting Act allows you to do.
No. Disputing inaccurate items never hurts your score. Temporary “score fluctuations” can happen as items are investigated, but once negative items are removed or corrected, your score typically rises.
We offer a 6-month money-back guarantee on qualifying packages. If we don’t delete or correct any negative items in the first 6 months, you get a full refund.
Yes — Equifax, Experian, and TransUnion — plus data furnishers (collections, banks, etc.) when needed.
Yes. No long-term contracts. You can pause or cancel your service at any time with no penalty.




