FCRA / FDCPA · DISPUTE ENGINE

Fix your credit. AI trained on every
FCRA ruling. Letters the bureaus
can’t ignore.

Upload your report, see what may be disputable, and generate statute-backed letters in minutes.

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DISPUTE LETTER · ROUND 1 FCRA §611
TransUnion Consumer Solutions
P.O. Box 2000 · Chester, PA 19016
Re: Dispute of inaccurate item
Consumer:  R. Delgado 
File no.:  •••• 4821 

I am exercising my right to dispute inaccurate information under the Fair Credit Reporting Act, 15 U.S.C. § 1681i(a)(1)(A), which requires a reasonable reinvestigation within 30 days of receipt.

The following account is reporting inaccurately and must be verified or deleted. The furnisher’s duty to conduct a proper investigation arises under 15 U.S.C. § 1681s-2(b).

ACCOUNT ·  PORTFOLIO RECOVERY 
ACCT # ·  ••••••7730 
REPORTED · Collection · balance $1,240

If the information cannot be verified, it must be deleted under § 1681i(a)(5)(A). Please send written confirmation of the outcome.

Sincerely,
 Signature on file 
Engine Analysis 3 items
Re-aging detected
Date-of-first-delinquency reset
→ §605 strategy
Not mine
No account relationship found
→ §611 dispute
Unverified balance
Furnisher duty to investigate
→ §623 demand
30-day FCRA clock armed

The credit-repair industry is a letter mill.

Recital — The Category

Ninety-nine to a hundred and fifty dollars a month. Setup fees on top. Six-month lock-ins you cannot leave without a phone call and a retention script.

And for that, you get recycled template letters, the same paragraphs mailed to thousands of people, the exact phrasing the bureaus have already learned to flag and dismiss.

You don’t need a company mailing templates. You need to see what they see.

Report in. Strategy shown. Letters out.

Schedule A — Procedure
  1. 1 Upload

    Upload your credit report

    A PDF from any bureau, Equifax, Experian, TransUnion, or a tri-merge service you already use. The parser pulls out every collection, late payment, charge-off, and inquiry.

  2. 2 Map

    The engine shows its reasoning

    Every negative item is mapped against 18 FCRA and FDCPA strategies. You see which statute matched, and why, before a single word is drafted.

  3. 3 Generate

    Generate statute-backed letters

    Approve the batch. Mail them yourself, or send USPS Certified straight from the dashboard.

    30-day FCRA clock tracked for you
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Depth you can inspect, not a black box.

Schedule B — The Engine
§611 · §623 · §605

Dispute engine

18 FCRA and FDCPA strategies, each with the exact statute citation. Every item is matched to the right one, not a generic template.

§611§623§605§609
Transparent by design

Visible AI reasoning

See exactly why each item matched a strategy before anything is drafted. Nothing is hidden. Nothing is a black box.

match collection · re-aged
why   DOFD reset detected
cite  15 U.S.C. § 1681c(a)
Beyond the big three

10-agency freeze wizard

Freeze the secondary bureaus most tools ignore, LexisNexis, Innovis, ARS, SageStream, and more, in a guided flow.

LexisNexis Innovis ARS SageStream
From your reports

Your scores, side by side

Log your scores from each report you pull and see all three bureaus charted together, so you can watch each round land.

3 bureaus
charted in one view
FCRA clocks

Deadline alerts

Every 30-day window and follow-up round is tracked. When a bureau goes quiet, the next-tier escalation is ready.

Sent Day 30 Escalate
Certified or free

Mail on your terms

Download every letter as a PDF and mail it yourself for free, or send it USPS Certified with tracking straight from the dashboard.

PDF · free USPS Certified Tracked

One plan. No tiers. No setup fee.

Schedule C — Consideration
SmartCredit AI
$49 .00 /month
  • ✓ Unlimited disputes across all three bureaus
  • ✓ 18 FCRA/FDCPA strategies with the reasoning shown
  • ✓ 10-agency freeze wizard and 3-bureau score charting
  • ✓ Automatic 30-day FCRA deadline tracking and escalation
  • ✓ Download PDFs free, or send USPS Certified from the dashboard
  • ✓ Month-to-month, no annual contract
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Everything included. One price.

A typical credit-repair company charges $99 to $150 a month plus setup fees, with no trial. You pay for people mailing templates. Here you pay for the engine, and you keep control of every letter.

Your federal right

Disputing inaccurate information is your right under FCRA §611. SmartCredit AI just makes exercising it precise.

Three ways to fix your credit.

Exhibit A — Comparison

Swipe to reveal SmartCredit AI

Credit-repair company
Pure DIY
SmartCredit AI
Underwriting-grade
Monthly cost $99-$150 + setup Free $49 flat
Who does the work They do, out of your sight You, from scratch Engine drafts, you approve
Letter quality × Recycled templates Free, but you’re guessing ✓ Statute-backed, per item
You see the reasoning × No It’s all on you ✓ Every match, explained
Free trial × Rare N/A ✓ 14 days
Lock-in × Often 6-12 months None ✓ Month-to-month
Cancel × Retention gauntlet Nothing to cancel ✓ 1 click, Stripe portal

Credit-repair company pricing and policy ranges compiled from publicly listed plans as of 2026. SmartCredit AI is $49/mo flat; when you send USPS from the dashboard you see the total, actual postage plus a flat $2 handling fee per letter, before you click Mail.

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The stuff other tools bury in fine print.

Schedule D — Disclosures
Am I charged during the free trial?

No. A card is required at signup, but nothing is charged during the 14-day trial. Cancel before day 15 and you owe $0. Billing is month-to-month after that at $49/mo flat.

How do I cancel?

One click in your Stripe billing portal. No phone call, no retention gauntlet, no 12-month lock-in. Cancel during the trial and you are not charged; cancel later and billing stops at the end of the period.

Is this a credit-repair company?

No. We are software and education. You upload your own report, review the strategy and letter the engine prepares, and you decide what to send. We are not a law firm and do not provide legal advice.

Can the AI make things up?

No. The AI cannot fabricate legal text. It selects from a fixed set of statute-grounded strategies and cites the specific FCRA or FDCPA provision that applies. Every citation traces to a real section of law, and you see the reasoning first.

How do the letters get mailed?

Two ways. Download the PDF and mail it yourself for free, or click Mail to send it USPS Certified with tracking. You see the total, actual USPS cost plus a flat $2 handling fee per letter, before you click Mail.

What reports can I upload?

PDF reports from Equifax, Experian, and TransUnion, plus tri-merge reports from services like SmartCredit and IdentityIQ. You can also pull your free report from AnnualCreditReport.com and upload it. The parser extracts collections, late payments, charge-offs, inquiries, and public records automatically.

Is disputing my credit report legal?

Yes. Disputing inaccurate information is your federal right under the Fair Credit Reporting Act, specifically FCRA §611 (15 U.S.C. § 1681i). SmartCredit AI helps you exercise a right you already have. We are not a law firm and do not provide legal advice.

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18
FCRA & FDCPA strategies
10
Bureaus & agencies to freeze
3
Nationwide bureaus charted
30
Day statutory clock, tracked

See what may be disputable.
Then send letters that cite the law.

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