Fight inaccuracies. Reclaim your credit.
Just Dispute IT turns complex credit disputes into a guided, AI-powered workflow. Generate professional dispute letters in minutes, audit your report for violations, and track every response — without hiring a repair company.
15 min
Avg. letter generation
FCRA
Compliant templates
3 bureaus
Experian, Equifax, TransUnion
Encrypted
Consumer-grade vault
Templates cite §609, §611, §623
You stay in full control
Self-help document automation
Vault data stays yours
Core offer stack
Three tools. One credit defense platform.
FREE + $14.99
DIY Dispute Generator
Fast. Professional. Simple.
Answer a few guided questions and instantly generate bureau disputes, debt validation letters, inquiry removals, goodwill letters, and ID theft packets.
Start generating free →$29 · Included in Pro
AI Credit Audit
Find inaccuracies automatically.
Upload your credit report and our AI flags duplicates, date inaccuracies, incorrect balances, re-aging, and potential FCRA violations.
Try the AI audit →Members only
Elite Consumer Vault
Your case, encrypted and organized.
Encrypted storage for dispute history, credit reports, bureau responses, ID documents, and certified-mail receipts. All in one place.
See Pro plans →AI that knows consumer law
Smarter than a template. Faster than a lawyer.
Smart Dispute Engine™
- Adapts wording by account type & reporting issue
- Applies state-specific consumer law
- Targets the correct bureau & furnisher
- Learns from your prior dispute history
Violation Detector™
- Re-aging of old debt
- Mixed credit files
- Duplicate collections
- Incorrect payment statuses
- Missing debt validation
Premium automation
From draft to mailbox — without leaving your chair.
Certified Mail Automation
One click: letter prints, label generates, USPS tracking attaches, and delivery confirmations are stored in your vault.
Bureau Response Scanner
Upload any bureau response. AI explains it, flags noncompliance, and recommends your next escalation step.
Your 5-step path
From cluttered report to clean credit file.
01
Upload your credit report
02
AI identifies inaccuracies
03
Select your dispute strategy
04
Generate professional documents
05
Track bureau responses
Why we built this
The credit repair industry is built on keeping you confused.
For decades, predatory credit repair companies charged consumers $79–$149 a month to send the same template letters anyone has the legal right to send themselves. They drag out cases on purpose. They hide results. They prey on people in financial stress.
Just Dispute IT exists to flip that. We put the same FCRA, FDCPA, and CROA-aware tools the pros use — directly in your hands, for a fraction of the cost, with zero retainers and no recurring billing if you don’t want it. Everything you generate is yours. Every letter cites the statute that powers it. You decide what to send, when, and why.
— The Just Dispute IT team · Consumers helping consumers fight back.
What’s in beta right now
Built in the open. Honest about the timeline.
We don’t fake testimonials. When founding members publish results, their quotes will live here — with permission and verification.
§609 dispute letter generation — testing across all 3 bureaus with real reports. Targeting <15min end-to-end.
Violation Detector trained on FCRA §§611, 623 and FDCPA §§1692e, 1692g. Beta panel auditing real consumer reports.
Certified Mail automation — USPS label + tracking + delivery confirmation, all stored in your encrypted vault.
14-day money-back guarantee
If your first letter doesn't feel professional, we refund you. No questions.
The Free generator is always free. Premium and Pro come with a 14-day refund window. Cancel anytime from your dashboard — no phone tree, no retention specialist.
Stop overpaying credit repair companies.
Just Dispute IT gives you the same tools — powered by AI, in your own hands. Start with a free letter in under 15 minutes.
Or get early access
Join the waitlist for new features, the 30-Day Challenge, and launch perks.