Fresh Start audit
If you were eligible for Fresh Start, defaulted-status reporting after enrollment is a §623 accuracy violation. AI checks eligibility windows automatically.
Debt
Student Loans
Federal, private, defaulted, IDR — a strategy for each.
Student loans have their own reporting quirks: rehabilitation, forbearance re-aging, and the recent Fresh Start program. Just Dispute IT identifies which servicer, which program, and which dispute path applies to your loan.
What you get
Every workflow, out of the box.
- Federal Fresh Start eligibility screening
- Post-rehabilitation reporting audit
- Private student loan statute-of-limitations tracking
- Servicer-specific dispute routing (Nelnet, MOHELA, Aidvantage, Edfinancial)
Strategies in play
The specific moves the AI runs on your behalf.
Servicer routing
Federal servicer misrouting is common. AI resolves the correct furnisher of record before drafting the dispute.
Related solutions
The rest of the defense stack.
Credit
Credit Report Errors
Every reporting error, professionally challenged.
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Debt
Debt Collections
Turn every collector into a compliance problem.
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Credit
Charge-Offs
Stop paying for accounts the furnisher can't verify.
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Credit
Late Payments
One late payment shouldn't cost 100 points.
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Ready to run the play?
Start with a free credit audit. The AI Credit Analyst reads your file, flags issues, and drafts the first letter — all in under 5 minutes.