DIY credit dispute prep · FCRA + FDCPA cited

Take your credit report
into your own hands.

AI reads your report line by line, flags what's worth challenging, and drafts statute-cited letters you review, approve, and mail yourself. No promises. No autopilot. You stay in the driver's seat.

Start free — no card See how it works

Reports parsed on your device. We never see the PDFs.

Works with reports from the three major bureaus and popular report providers.

Logos and trademarks are the property of their respective owners. Credigician is not affiliated with, endorsed by, or sponsored by these companies.

The rule of the house

You review every word. You mail every letter. You stay in control.

What it does

Reads it like a paralegal. Writes like one too.

AI reads your report

Every tradeline extracted, cross-referenced across bureaus, and surfaced with the specific mismatch, missing field, or time-barred item plain-language.

Cited letter drafts

Each draft names the FCRA or FDCPA section it invokes and quotes the operative language. Never boilerplate. You edit before it prints.

Tracker for what you sent

Mark letters as mailed. Log the tracking number. Upload the response when it lands. Get a plain-English next step — never an autopilot round.

Statute over slogans

We show you the actual U.S. Code, not a marketing tagline. If a section doesn't apply, we don't cite it.

Your data stays yours

PDFs are parsed on-device. Only extracted text reaches analysis. We never touch your bureau login.

No promises. Ever.

Zero removal guarantees, zero score claims, zero timeline promises. Outcomes depend on your report and how bureaus respond.

Every letter cites the statute

Real statutes. Real citations. No boilerplate.

Every draft names the section it invokes — FCRA §611, FCRA §623, FDCPA §809 — and quotes the operative language. You get to see what you're signing before you sign it.

Cited to the actual U.S. Code section
Formatted so the bureau can identify the item without guessing
You edit, print, sign, and mail — we never send anything for you

FCRA §611 · Dispute letterDraft

How it works

Four steps. You in charge of every one.

Upload your reports

Any bureau, any format. PDFs are parsed on your device.

Review what we spot

Every finding is triaged one at a time, plain English, with severity.

Approve letter drafts

Each draft cites the actual statute. You edit before it prints.

Mail & track

You print, sign, and mail. Log the tracking number. Upload the response.

Start step 01 — Upload

The fine print, up front

We're software. Not a credit repair company.

Every promise credit repair companies make is a promise we can't. That's the point — you own the file, the letters, and the outcome.

promises. 100% your call.

FCRA

+ FDCPA cited on every letter

You mail.

You control every send.

score guarantees, ever.

Beta feedback

What early users tell us.

First-name only. Process feedback — no score, dollar, or removal claims.

“

I've stared at my report for years and never known what was actually challengeable. The triage screen made it obvious.

Priya

Beta user · 2 reports uploaded

“

The letter cited the exact FCRA section. I could show it to my sister-in-law who's a paralegal and she said it looked right.

Marcus

Beta user · 4 letters prepared

“

It felt like a co-pilot, not a black box. I edited two letters before I mailed them and it was easy.

Elena

Beta user · mailed her first round

Ready to take your report into your own hands?

Start free. No card. No promises. Just software that reads your report and helps you draft the letters you were going to have to write anyway.