Credit Repair Tools That Put You in Control

Everything you need to dispute credit report errors yourself: 3-bureau report analysis, AI-written dispute letters, letters to collectors and creditors, and tracking. Software, not a credit repair service — you review and send every letter.

3-Bureau Report Analysis

Import your Equifax, Experian and TransUnion data through SmartCredit, or upload a report you already have. Every negative item is listed in one place, with possible errors flagged.

• All three bureaus side by side
• Possible errors and mismatches flagged
• Plain-English explanations
• AI Coach answers questions about your report

AI-Written Dispute Letters

Dispute letters built from the facts on your report and your own words, citing your rights under the Fair Credit Reporting Act. You review every letter before it goes anywhere.

• A letter for each bureau reporting the item
• You approve every letter
• Download as a PDF or send by certified mail
• Follow-up rounds that reference earlier disputes

Collectors & Creditors

Guidance for the letters that go to collectors and creditors rather than the bureaus, so each request goes to the right place.

• Debt validation requests to collectors
• Goodwill request guidance for accurate one-time lates
• Escalation letters for unresolved disputes
• What to send where, explained

Collections & Charge-Offs

Check collections and charge-offs for the errors they often carry — duplicates, wrong balances, wrong dates — and dispute what's wrong.

• Duplicate and balance checks
• Date-of-first-delinquency review
• Validation request templates
• Dispute tracking

Late Payment Disputes

Dispute late payments that were reported wrongly, with your proof attached.

• Late payment review across bureaus
• Dispute letters with your evidence
• Goodwill letter guidance
• Payment history tracking

Tracking & Follow-Up

See every dispute, deadline and bureau response in one dashboard, and know what to do next.

• 30-day investigation deadlines tracked
• Bureau responses logged
• Score history
• Next-step reminders

How It Works

Four simple steps to better credit

Import Your Report

Connect a 3-bureau report through SmartCredit or upload one you already have.

AI Analysis

Every negative item is listed in one place, with possible errors flagged.

Review & Dispute

Review the findings and approve the dispute letters written for you.

Track & Follow Up

Track bureau responses, follow up on anything unresolved, and keep building positive history.

Why Choose Restore Your Credit

Software that does the paperwork while you stay in control.

AI-Assisted Analysis

Our AI technology helps identify potential errors and inaccuracies in your credit reports.

Streamlined Process

Automated workflows help organize and manage disputes more efficiently than manual methods.

Transparent Pricing

No hidden fees. No long-term contracts. Cancel anytime.

Built on the FCRA

Letters are based on your dispute rights under the Fair Credit Reporting Act.

24/7 AI Coach

AI Coach available around the clock for instant answers and guidance.

Your Data, Your Control

Sensitive data is encrypted, and you can download your data or delete your account anytime.

Ready to Get Started?

Create a free account and see every item on your report in one place.