1 · Build the dispute
Pick every item you're challenging — name, address, phone, employer, lates, charge-offs, collections, repos, bankruptcies, inquiries. Each one is cited to statute automatically.
consumerlawdispute.com
File your own disputes.Force the correction.Monitor it yourself.
Architects and consumers challenge student loans, auto loans, credit card debt, bankruptcies — the full profile — across every consumer reporting agency in the country. Ten federal statutes, not just the FCRA. You never pay for credit repair again.
- 54
- Agencies covered
- 12
- Statutes invoked
- 22
- Challengeable item types
Mail rule
Priority Mail + Certified Mail. Together. Every agency.
The method
Five moves, repeated until the file is clean
2 · Hit every agency
Not just the big three. 54 agencies in the directory — Innovis, LexisNexis, SageStream, CoreLogic, ChexSystems, NCTUE, The Work Number and more.
3 · Mail it correctly
USPS Priority Mail and Certified Mail with return receipt — together, every time. Log the tracking numbers the day you drop it.
4 · File the CFPB complaint
Open your consumer portal, file the electronic complaint, attach your proof of mailing, and put the bureau on a federal record.
5 · Rinse and repeat
Wait 30–60 days. Whatever falls off, good. Whatever doesn't, escalate to the next round with method-of-verification demands.
Don't freeze everything
Freezing the secondaries gives lenders an excuse to deny funding. Challenge the inaccurate data off the file instead — then stay approvable.
Every statute in the letter
Not just the FCRA
FCRAFair Credit Reporting ActFACTAFair and Accurate Credit Transactions ActFDCPAFair Debt Collection Practices ActTILATruth in Lending ActECOAEqual Credit Opportunity ActGLBAGramm-Leach-Bliley ActRESPAReal Estate Settlement Procedures ActHIPAAHealth Insurance Portability and Accountability ActTCPATelephone Consumer Protection ActFCBAFair Credit Billing ActHEAHigher Education Act / student loan rulesUDAAPUnfair, Deceptive or Abusive Acts and Practices
One-time price
$29.99 for the whole system
One payment. Lifetime access to the course, the letter builder, all 54 agencies, the mailing protocol, the CFPB script and the round tracker. Credit repair charges that much every month.
Stop paying for credit repair
Third-party disputes get flagged and dismissed. Yours can't be. Generate your letters, mail them yourself, log the receipts, file the CFPB complaint, and run the next round in 30 days.