Credit data is personal.
A credit report is a financial fingerprint. The wrong company holding it can cause real damage. We treat what you upload the way we would treat our own.
ABOUT JUST DISPUTE ITWe built the credit defense tool we wished existed.
The credit repair industry has been broken for decades. Families paying $99 a month for years, getting nowhere, while bureaus and furnishers ignore letters that were never going to work. We replaced it with software.
What we believe
Four principles that shape every product decision.
The FCRA is on your side.
Federal law gives every consumer the right to dispute inaccuracies and demand verification. Most people just don't know it. We make the statute usable.
AI should empower, not replace, you.
The AI drafts. You read, sign, and send. You stay in the loop, and in the legal driver's seat. This is not incidental — it is a design constraint.
Transparent beats hyped.
No fake testimonials. No score-boost promises. We publish what works, what does not, and what is still on the roadmap.
Founded by someone who's been in the trenches
Built from inside the industry it replaces.
The Founder
Builder · operator · advocate
The founder spent years inside the credit industry watching the same pattern play out: families paying $99 a month for years, getting nowhere, while bureaus and furnishers ignored letters that were never going to work. Just Dispute IT is the version that does — letters built around the parts of the FCRA that actually trigger investigations, an AI audit that finds the inaccuracies most consumers miss, and pricing that does not require a subscription.
Reach out →What we are. What we aren't.
Clear positioning, on the record.
We are
We are not
A software platform
A law firm
A consumer-rights tool
A CROA credit repair organization
A letter generator + AI audit engine
A retainer service acting on your behalf
FCRA + FDCPA aligned
A guarantor of score outcomes
Transparent, flat-priced
A monthly subscription trap
Working with us
Press, partnerships, integrations, advocacy. We are open to conversations with reporters, consumer advocates, nonprofits, fintech partners, credit unions, and legal aid organizations building consumer-first products.