For the credit report you never asked for
ClearCredit analyzes your report, identifies every disputable item — even the obscure ones — and hands you the exact templates to fight back. No expensive law firms. No guesswork.
How it works
Drop your credit report text — from any bureau format — into ClearCredit. No formatting required.
We scan every line for errors, outdated items, and hard-to-find disputes. You'll see exactly why each item can be challenged and which legal code applies.
Custom dispute letters — personalized to your situation — emailed to you ready to use. One click to know exactly what to send and where.
Dispute scenarios we cover
Most credit tools only cover the obvious items. ClearCredit is built for the exhaustive library — the edge cases that separate a generic outcome from a real removal.
Accounts that violate Metro 2 reporting standards — incorrect status codes, unsubstantiated derogatory marks.
Outdated entries past the 7-year reporting window that should have fallen off but didn't.
Another person's data blending into your file — identity confusion that bureaus rarely fix on their own.
Accounts where the furnisher cannot produce original documentation — FCRA §623 validation failures.
Late payments incorrectly coded, partial payments marked as full charge-offs, settled accounts still showing delinquent.
Unauthorized credit pulls, multiple mortgage shopping conflated into one, employment inquiries misclassified as credit.
Accounts opened fraudulently — synthetic identity, clerical errors from similar names — flagged for removal.
Discharged debts still showing active, dismissed bankruptcies showing as filed, chapter discrepancies.
Credit education
ClearCredit doesn't just help you fix errors. We teach you how credit works so you stop making mistakes that cost you points.
"Credit bureaus have been making billions off the fact that most people don't know what's on their own report, let alone what they can fight. That's the gap we're here to close."
ClearCredit was built on a single belief: the dispute process shouldn't require a law degree or a $150/month service.