Credit Repair Isn't Magic.
It's Federal Law.
Agencies charge you to send template letters. We give you the code to enforce the FCRA and FDCPA yourself.
The FCRA
Fair Credit Reporting Act
This law governs the big three bureaus (Equifax, Experian, TransUnion). It demands that every item on your report be accurate, complete, and verifiable.
The "Section 611" Weapon
If you dispute an item, the bureau must verify it within 30 days. If they cannot confirm it with the original lender, they must delete it by law.
The FDCPA
Fair Debt Collection Practices Act
This law governs third-party debt collectors. It stops harassment and forces them to prove they actually own your debt.
The "Section 809" Weapon
If you request "Debt Validation" within 30 days of contact, they must cease all collection efforts until they mail you physical proof of the debt.
The "7 Year" Myth
Many consumers believe that if a negative item (like a late payment) is technically "true," it must stay on their report for 7 years.
This is false.
Under the FCRA, an item must be not only true, but 100% verifiable. If the bank lost the original contract, or if the dates don't match, the item is considered "inaccurate" and can often be removed legally.
Ready to Use These Laws?
We've coded these statutes into our dispute generator. You don't need to be a lawyer—just answer a few questions.
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