Reporting on credit, consumer rights, or AI in fintech?

We built an AI Financial Defense Platform, not another credit repair company.

Ten specialized AI agents cover the full consumer-side workflow: reading credit reports, choosing statutorily-correct dispute strategies, decoding bureau responses, coordinating certified mail, monitoring identity risk, and modeling recovery paths. It is software the consumer owns, not a retainer service.

Priced like software. Not like credit repair.

Traditional credit repair companies charge $99 to $200 per month for letters consumers can write themselves under the FCRA. Most subscribers stay locked in for years. Just Dispute IT is $0 for the generator, $14.99 one-time for a premium letter export, $29 one-time for a full AI audit, and $14.99 (Plus) or $29 (Pro) per month for the whole platform. Cancel anytime. 14-day money-back on paid plans.

AI as legal-literate co-pilot, not autopilot.

The AI Dispute Strategist chooses between §609, §611, §623(a)(8) direct furnisher, method-of-verification, goodwill, and reinsertion — based on account type, prior response, and state law. The consumer signs and mails. That preserves FCRA rights and keeps the platform outside the operational constraints of the CROA.

Built for transparency.

No fake testimonials, no score-boost guarantees, no monthly retainer trap. A live system status page shows exactly what is shipped, in beta, and on the roadmap. Every dispute letter carries the specific statutory citations that force bureau action — not a boilerplate paragraph attached to everything.

Why now.

Post-pandemic reporting inaccuracies remain widespread, the CFPB has signaled stronger enforcement on furnisher accuracy under FCRA §623, and generative AI finally makes it economical to produce state-aware statutory correspondence at consumer-tier prices.