Your AI Financial Defense Platform

30 daysStatutory validation clock, tracked to the minute

Debt

Debt Collections

Turn every collector into a compliance problem.

7 yearsAbsolute reporting limit — no exceptions under §605

Credit

Charge-Offs

Stop paying for accounts the furnisher can't verify.

35%Share of FICO score determined by payment history

Credit

Late Payments

One late payment shouldn't cost 100 points.

4 days§605B statutory block window — the fastest remedy in the FCRA

Identity

Identity Theft

Freeze, dispute, recover — in the right order.

$500Threshold under which medical collections cannot report

Debt

Medical Collections

Medical debt has different rules. We know them.

7.3MBorrowers currently eligible for Fresh Start remediation

Debt

Student Loans

Federal, private, defaulted, IDR — a strategy for each.

$0Correct balance for every discharged account post-Chapter 7

Public Records

Bankruptcy Reporting

Every account discharged. Every one verified.

3 fieldsMinimum PII match required for a public record to appear

Public Records

Judgments

Verify the record. Remove the report.

7 yearsMaximum reporting window under §605 for eviction filings

Evictions

Rental history should reflect reality, not a mistake.

5 yearsMaximum ChexSystems reporting window for negative entries

ChexSystems

Get back to banking. Fast.

AnnualFree LexisNexis disclosure guaranteed under §609

LexisNexis

The file behind every insurance and rental application.

5 daysTypical pre-adverse action response window

Employment Screening

A background check should never cost you the job.

4 agenciesTenant screening CRAs covered: SmartMove, RentGrow, CoreLogic, RentBureau

Tenant Screening

Rental denials, reversed.

3 filesBusiness bureaus we monitor and dispute across

Business

Business Credit

Build a business credit profile that funds itself.

Scan My Report See How JDI Works

Ready when you are

See how JDI works on your report — free.

Upload once. The AI does the scan, flags the errors, and stages your first letters. You review before anything sends.

Case archetypes

The exact plays, verifiable in the statutes.

We're pre-launch, so we won't put fake customer quotes on the page. What we can show you is the specific statutory playbook the AI runs — and the outcomes courts and the CFPB have already recognized.

Case archetype 01Statutory playbook

The 'verified — no change' stonewall

The situation: A collector's tradeline shows a re-aged DOFD across two bureaus. First-round §611 comes back 'verified.'
The play: Escalate with §611(a)(7) method-of-verification demand, cite the DOFD variance, file a parallel §623(a)(8) direct dispute with the furnisher.
Recognized outcome: In documented CFPB complaint outcomes, forced disclosure of MOV frequently results in the reinvestigation being reopened or the item deleted.

4 bus. days

Statutory MOV response window

FCRA §611(a)(7)FCRA §623(a)(8)FCRA §605(c)

Case archetype 02Statutory playbook

Identity theft — block, don't dispute

The situation: Consumer discovers three fraudulent accounts opened in their name. All three appear on Experian.
The play: File FTC IdentityTheft.gov report. Submit §605B block affidavit + ID to bureaus. Notify furnishers directly under §623.
Recognized outcome: Under §605B(a), CRAs must block the identified information within 4 business days of receipt — no §611 investigation required.

4 bus. days

Mandatory block, not a dispute

FCRA §605BFCRA §609(e)FCRA §623(a)(6)

Case archetype 03Statutory playbook

The FDCPA 30-day debt validation window

The situation: Junk-debt buyer sends dunning letter. Consumer disputes in writing within 30 days.
The play: §1692g(b) requires the collector to cease collection until it mails validation. Continued collection is a statutory violation.
Recognized outcome: Documented outcomes: junk-debt buyers frequently cannot produce chain-of-assignment. Continued reporting after invalid validation opens §1692e claims.

$1,000

Statutory damages ceiling per §1692k

FDCPA §1692g(b)FDCPA §1692e(8)15 U.S.C. §1692k

Case archetype 04Statutory playbook

Medical collection — post-NCAP under $500

The situation: Medical collection under $500 reported by two bureaus after the July 2023 NCAP change.
The play: Cite the National Consumer Assistance Plan medical-debt rule. Any medical collection under $500 is not to be reported. File §611 accuracy dispute.
Recognized outcome: Post-NCAP, all three bureaus have committed to removing medical collections under $500. Verified inaccurate reporting is a §623(a)(2) furnisher issue.

$500

Reporting floor under NCAP

NCAP medical debt rule (2023)FCRA §623(a)(2)HIPAA privacy override

Note. These archetypes reflect statutory playbooks and recognized regulatory outcomes, not individual customer results. Every dispute depends on facts, evidence, and the furnisher's response. Just Dispute IT is not a law firm and does not guarantee removal.

The category, honestly

Just Dispute IT vs the $1,200-a-year retainer.

Traditional credit repair companies charge monthly retainers for work you can automate. DIY is free but slow. We built the third option — the AI you should always have had.

Feature

Just Dispute IT

Credit repair company

DIY templates

Business model

Software you own

Monthly retainer

Free but manual

Typical cost (12 months)

$29 one-time / $29 mo

$700 – $1,200 / year

$0 + your time

AI-drafted disputes

23 strategies

Boilerplate templates

Whatever you download

FCRA / FDCPA citations

Automatic, per letter

Varies by company

You research each one

Cross-bureau audit

All 3 + ChexSystems + LexisNexis

Usually the big 3 only

You track it manually

Certified mail tracking

USPS integrated

Rarely included

Post office trip

Consumer ownership

You are on record

They act 'on your behalf'

You are on record

CROA cancellation rights

Cancel anytime, no lockup

Statutorily required

N/A

Data ownership

Your encrypted vault

Their CRM

Your filing cabinet

Business model

Just Dispute IT
Software you own
Credit repair company
Monthly retainer
DIY templates
Free but manual

Typical cost (12 months)

Just Dispute IT
$29 one-time / $29 mo
Credit repair company
$700 – $1,200 / year
DIY templates
$0 + your time

AI-drafted disputes

Just Dispute IT
23 strategies
Credit repair company
Boilerplate templates
DIY templates
Whatever you download

FCRA / FDCPA citations

Just Dispute IT
Automatic, per letter
Credit repair company
Varies by company
DIY templates
You research each one

Cross-bureau audit

Just Dispute IT
All 3 + ChexSystems + LexisNexis
Credit repair company
Usually the big 3 only
DIY templates
You track it manually

Certified mail tracking

Just Dispute IT
USPS integrated
Credit repair company
Rarely included
DIY templates
Post office trip

Consumer ownership

Just Dispute IT
You are on record
Credit repair company
They act 'on your behalf'
DIY templates
You are on record

CROA cancellation rights

Just Dispute IT
Cancel anytime, no lockup
Credit repair company
Statutorily required
DIY templates
N/A

Data ownership

Just Dispute IT
Your encrypted vault
Credit repair company
Their CRM
DIY templates
Your filing cabinet

Traditional credit repair pricing based on published rates from major providers (Lexington Law, CreditRepair.com) as of 2024–2025. Just Dispute IT is not a credit repair organization under the CROA — we sell software, and you remain on record for every dispute.

Trust architecture

Security you can read the source code of.

Financial defense is a paper-trail game. We built the platform so the trail is always auditable, always encrypted, and always in your name.

All systems operationalSOC 2 alignedCROA-safe

How your data moves

Upload

Document encrypted client-side before leaving your browser.

Vault

Stored with AES-256 + per-cell cipher on sensitive fields.

Audit

Every read, write, and letter action recorded immutably.

Sign

You approve every letter. Nothing sends without your action.

Encryption

AES-256 at rest. TLS 1.3 in transit.

Every uploaded document is encrypted before it hits our storage layer. Sensitive fields (SSN, DOB, account numbers) get an additional cell-level cipher. No plaintext PII ever leaves the encrypted plane.

AES-256Vault encryption standard

Compliance

FCRA · FDCPA · FACTA · CROA · HIPAA.

We built the platform around the same statutes we ask bureaus to follow. Every letter template cites the section it invokes. Every workflow is audit-logged so you can defend the paper trail if it ever matters.

5 statutesFederal frameworks aligned by design

Independence

You stay the consumer of record.

Just Dispute IT is not a credit repair organization under the CROA and never files on your behalf. We prepare documents. You sign, mail, and control. That's what keeps everything defensible.

100%Ownership of your case, always

Transparency

Every action, logged. Every letter, cited.

Audit log for every action, immutable timestamps, and full letter version history. When a bureau tries the 'we already handled this' response, you have receipts.

ImmutableAudit log across every dispute round

Security & Privacy →Privacy Policy →System Status →

FCRA · FDCPA · FACTA · HIPAA · CROA-safe

Interactive Tools

Free tools. No email wall. Instant answers.

Try before you commit. Every tool works standalone and points to the right next step inside the platform.

Free3 min

Free Credit Report Audit

Upload a report and get a same-session error scan across all three bureaus.

Scan My Report →↵

Free2 min

Dispute Readiness Quiz

Six questions. We map your situation to the right letter strategy and next step.

Take the Quiz →↵

Free1 min

Credit Error Scanner

Spot the six most common reporting inaccuracies without uploading a full report.

Run the Scan →↵

Free30 sec

Collection Age Calculator

Enter the date of first delinquency — see when the 7-year reporting window closes.

Check the Clock →↵

Free4 min

Debt Validation Wizard

Guided walkthrough of the FDCPA §1692g validation request — from mailer to response.

Start the Wizard →↵

Free3 min

Financial Health Check

Plain-English read on your reporting exposure — with a next-move plan.

Get My Score →↵

Pricing

Priced like software. Not like a credit repair company.

No $99/month retainers. No 6-month lockups. Cancel anytime — 14-day guarantee on paid plans.

Start free

Free Generator

$0forever

The letter generator that pays for itself in one stamp saved.

5 letter types free
Print at home
Basic dispute tracker
FCRA § reference library

Generate My First Letter

Most popularOne-time

AI Credit Audit

$29one-time

Full-file scan across every bureau. Every finding, every citation, exportable to PDF.

All 3 bureaus analyzed
23 letter strategies
Violation Detector
PDF audit report

Start Free Audit

Membership

Pro

$29/ month

The full AI Financial Defense Platform. Unlimited letters, monitoring, vault, and coaching.

Unlimited letters + rounds
Certified mail tracking
Encrypted Vault + Simulator
Recovery Planner + monitoring

See Pro details

Also available: $14.99 one-time premium letter export and Plus membership at $14.99/month. 14-day money-back guarantee on all paid plans. Cancel anytime from your dashboard.

Frequently asked questions

Answers before you have to ask.

Is Just Dispute IT a credit repair company?

No. We're a technology platform, not a credit repair organization under the CROA. We prepare documents; you sign them and remain the consumer of record. That distinction is important — it's what keeps everything defensible and legally clean.

Is any of this legal advice?

No. We're not a law firm and we don't practice law. What we do provide is self-help document preparation, statutory references, and workflow automation. If your situation is complex, we'll point you toward a consumer attorney — many take FCRA/FDCPA cases on contingency.

Can't I just do this myself for free?

Yes. Every letter template we generate could, in theory, be written by hand and mailed for the cost of a stamp. Just Dispute IT exists to do the research, drafting, tracking, and escalation work for you. Our free generator is genuinely free forever.

How long do results take?

Bureaus have 30 days (45 in some cases) to complete a §611 investigation. Realistic wins land in the 30–90 day window. Complex cases with multiple accounts or public records can take 3–6 months. We track every clock automatically.

What does it cost?

The generator is free. A premium single letter with certified mail is $14.99 one-time. The full AI Credit Audit is $29 one-time. Memberships are $14.99/month for Plus or $29/month for Pro (unlimited letters, monitoring, vault, coaching) — both with a 14-day money-back guarantee.

How secure is my data?

AES-256 at rest, TLS 1.3 in transit, cell-level encryption on sensitive fields. Documents in the vault are encrypted before storage. We're not in the business of selling data, ever.

Do you work with mortgage brokers, credit unions, or attorneys?

Yes. We offer white-label deployments, an API, and enterprise SSO. Visit our Enterprise page or email enterprise@justdisputeit.com.

What if a bureau refuses to remove an item?

Then we escalate. Method-of-verification demands, furnisher direct disputes under §623(a)(8), CFPB complaints, state AG referrals, and (when warranted) consumer-attorney routing. The engine knows the next move at every stage.

Resource Hub

The library that makes bureaus play fair.

Plain-language explainers on every situation and every statute we support. Educational only — not legal advice.

Browse all resources →

Common reporting problems

Consumer law you can use

Identity + specialty bureaus

Knowledge Center

Learn the rules of the game.

Deep, plain-language explainers on the statutes, strategies, and shortcuts that make consumer-side disputes actually work.

Visit Learning Center →

FCRA8 min read

FCRA basics: the consumer's operating manual

The Fair Credit Reporting Act is the statute the whole credit bureau industry runs on. Learn the sections that matter — §609, §611, §605, §623 — and how to use them without a lawyer.

FDCPA7 min read

FDCPA basics: how collectors have to behave

The Fair Debt Collection Practices Act limits what collectors can say, when they can call, and what they must prove. A plain-language walkthrough of the parts you'll actually use.

Strategy6 min read

How to file a CFPB complaint that actually gets read

The CFPB complaint portal is one of the few pieces of leverage a consumer has left. Structure it right and bureaus and furnishers respond in days, not months.

Strategy5 min read

Hard inquiries: what §604 permissible purpose really means

Every hard inquiry on your report has to have a permissible purpose under §604. Here's how to identify unauthorized pulls and challenge them without wrecking your score.

Recovery7 min read

Repossessions: the accuracy angles most consumers miss

Repo reporting is a mess of dates, balances, and deficiency figures. Half of it is wrong, half of it is inconsistent across bureaus, and all of it is challengeable.

Identity5 min read

Innovis: the fourth bureau you were never told about

Innovis is the smallest of the four major consumer reporting agencies and the easiest to overlook. It's also where identity thieves like to hide. Here's how to pull, freeze, and monitor.

FCRA9 min read

The complete guide to §609 disclosure letters

Section 609 of the Fair Credit Reporting Act gives you the right to request the source documents behind any tradeline. Here's when to use it, when not to, and how to escalate when a bureau plays games.

Strategy7 min read

Method of verification: the §611(a)(7) hammer

MOV is the single most under-used weapon in a consumer's toolkit. If a bureau claims an item is verified, they must disclose exactly how. Most can't.

FDCPA8 min read

Debt validation under §1692g, without the bluff

Every collector must validate a debt on request within a defined window. The trick is knowing what "validation" actually means — and what to do when the packet is a photocopy of a photocopy.

Identity6 min read

The §605B block: identity theft's fastest remedy

When you file an FTC report, bureaus must block resulting items within 4 business days. It's faster than a §611 investigation and legally cleaner.

FCRA5 min read

How to spot re-aged debt (and remove it)

The reporting clock runs from the DOFD — not the date the account was sold. If a junk-debt buyer resets that field, they've violated §605.

Recovery6 min read

Utilization tricks that actually move a FICO score

Statement-date payoffs, AZEO strategy, credit-limit increases — the mechanics behind why 3% utilization always beats 30%, even at the same balance.