Professional dispute letters, AI-powered strategy, and real-time 3-bureau tracking — all in one platform. Start free, no credit card required.
You don't need a middleman to fix your credit. The same federal laws that protect everyone protect you — and letters you send yourself carry the most legal weight.
Credit repair companies charge $89–$129/month to send the same letters you can send. They add contracts, limit your disputes, and keep you in the dark. There's a better way.
Choose your item type, strategy, and bureau. See the professional letter in real time — no signup required.
Sincerely,
[Your Name]
[Your Address]
SSN: XXX-XX-1234
When you send dispute letters yourself, bureaus are legally required to investigate under the FCRA. Company-sent letters? Bureaus can reject them outright.
Same professional letters. Same federal law citations. Same results. You just skip the $100/month middleman.
Take Control Now →From linking your report to watching items disappear — Creditily handles the complexity.
AI pulls full 3-bureau report. No hard inquiry. 60 seconds.
Upload photo ID & proof of address. Auto-attached to every letter.
Scans 20+ error types. Priority ranking. Suggested dispute reasons.
Professional FCRA/FDCPA letters generated and mailed to all 3 bureaus.
40-day auto-import. AI suggests next round. Continue until you win.
8 dispute categories. 20+ error types detected. Every letter cites federal law.
30/60/90 day marks
Sold & active debts
Written off accounts
Vehicle & asset repos
Mortgage defaults
Ch. 7, 11, & 13
Court-ordered debts
Unauthorized pulls
Slide to see how removing negative items impacts your score and your wallet.
See real-time impact on your projected score.
Your disputes carry the most legal weight. When you send letters yourself, bureaus are required by federal law to investigate.
No caps. No games. No fine print. Dispute 1 item or 50. All 3 bureaus at once. As many rounds as it takes.
Move at the speed that works for your life. Send disputes when you're ready. Check results whenever you want.
See everything. Understand everything. Every strategy, every letter, every step explained in plain language.
AI scans for 20+ types of errors automatically. Recommends the best strategy and dispute reason for each item.
Learn the system once. Own it for life. Fix your credit now and know how to protect it forever.
No tiers, no upsells, no hidden fees.
Professional credit repair, powered by AI
Professional-grade credit repair tools built for people, not companies.
8 dispute letter types. Metro 2 format. FCRA & FDCPA citations included. Emailed ready to print and mail.
Smart DetectionEvery 40 days, timed by federal law. AI compares old vs new. Tracks "Repaired" and "Deleted" items.
40-Day CycleImport from Equifax, TransUnion, Experian. Side-by-side comparison. No juggling multiple logins.
Live TrackingEscalation tactics for non-deleted items. Different approach per round. Success probability ranking.
Auto EscalationCharts and graphs. Score change tracking over time. Before/after comparisons. PDF report copies.
Visual ProgressUpload once, used forever. Photo ID, proof of address auto-attached to every letter you send.
Upload OnceIndividual results vary. Success depends on item accuracy and bureau responses.
"The AI tools showed me exactly what to dispute and why. I got results within weeks and saved thousands compared to hiring a company. Finally in control of my credit."
"I tried fixing my credit on my own but got nowhere. Creditily's strategy engine made the difference. Clear guidance, professional letters, real results."
"The AI told me exactly what to dispute first and why. The 'Suggested Reason' feature saved me so much time. Better than any expert I've paid for before."
"Complete transparency from start to finish. I see every letter, control the timeline, and track progress in real time. This is how credit repair should work."
Setup & send first letters
Letters arrive. Investigation begins.
Round 1 results. See deletions.
Round 2. Escalation for stubborn items.
Major improvement. Keep going until you win.
Most people see initial results within 35–45 days. Bureaus are legally required to investigate disputes within 30 days. Full credit repair typically takes 3–6 months of strategic rounds.
Absolutely. The Fair Credit Reporting Act (FCRA) gives every consumer the legal right to dispute inaccurate information. You do not need to hire anyone.
Any item that is inaccurate, incomplete, or unverifiable — including late payments, collections, charge-offs, repossessions, foreclosures, bankruptcies, judgments, and hard inquiries.
No, and we won't promise that. Accurate, verifiable information stays on your report. What we do is find items with errors — inaccurate dates, wrong balances, incomplete reporting, and unverifiable accounts.
Physical mail is significantly stronger legally. Credit reporting laws were written in the 1970s. Physical letters create a paper trail, are harder to dismiss, and trigger stronger legal obligations than online forms.
A credit monitoring platform providing 3-bureau credit data. It powers Creditily's AI analysis and letter generation. Your subscription includes SmartCredit access.
Yes. No contracts, no cancellation fees, no fine print. Cancel anytime from your account dashboard.
Yes. 30-day money-back guarantee. If unsatisfied within 30 days, contact support@getcreditily.com for a full refund. No questions asked.
That house you've been working toward? You will qualify. That business you're building? You will get funded. That freedom you've earned? It's closer than you think.
No credit card required · 30-day money-back guarantee · Cancel anytime