Playbook #464 · No templates. No black box. No bill.
Upload nothing. Pay nothing. The engine runs inside your browser, checks your report against 29 published rules, and shows you what it found before you decide whether any of this is worth your time.
Free forever. No account. No card. Nothing to cancel.
Why this exists
The market leader in this category puts checkout at Step 1 and the upload at Step 2. You pay $47 to discover whether you even have a case. If your report is clean, that is a $47 lesson.
That is not a slogan here, it is the architecture. Every competitor asks you to trust an “attorney-trained AI” you are structurally prevented from inspecting — before purchase and after. We published the rulebook instead. Read it, disagree with it, take it to a lawyer. If a rule is wrong, you will be able to see that it is wrong, which is more than any of them offer.
Ten competitors, five questions
We are not the answer to every one of these. Where a competitor beats us, we say so on the comparison page.
Forever-evergreen
Not a marketing promise. A property of how it is built.
The signature
The market leader's own FAQ asks “What if the disputes don't work?” — and that is where the product ends. It ends there because Round 1 is where the automated dispute system expects you to give up.
Under 15 U.S.C. §1681i(a)(1)(A) a bureau has thirty days from receipt. Not as a target. As a duty. Miss it, and §1681i(a)(5)(A) says the item shall be deleted.
So we built a clock. It starts when your certified mail is delivered. On Day 31 it turns red and names the bureau as in violation — and Rounds 2, 3, and 4 are already written and waiting.
Open the tracker →Round 2 unlocked · Method of Verification demand ready
The arsenal
Because it does not work, and everyone selling you one knows it.
Section 609 of the FCRA — 15 U.S.C. §1681g — is titled “Disclosures to consumers.” It is the provision that entitles you to see your own file. That is all it does. It contains no deletion mechanism, imposes no duty to investigate, and creates no obligation to remove anything.
The entire “609 loophole” industry rests on a misreading: the theory that if a bureau cannot produce your original signed contract, it must delete the item. No such requirement exists anywhere in the statute. Bureaus were never required to hold your contracts, because bureaus were never parties to them.
The provision that actually compels deletion is §1681i(a)(5)(A). That is Round 1 of this arsenal. We would rather hand you the real one. Seven more myths, dismantled →
Where the testimonials go
This tool published today. Nobody has used it long enough to have a result, so there is nothing here but the truth about that.
The competitor that prompted this build displays a five-star review from “Marcus T., Atlanta, GA — 3 accounts removed in 45 days.” We have no way to verify Marcus exists. Neither do you. Under the FTC's endorsement rules, a synthetic testimonial is a real liability — and in a category where the largest player paid out a $1.8 billion consumer-relief distribution, the burden of proof should sit high.
So instead of a stranger telling you it worked, here is the actual thing you would receive: a complete generated letter, every citation intact, rendered in full before you have given us anything at all. Read it and decide for yourself.
Nothing is uploaded. Nothing is stored. Nothing is sold. There is no account to make and no card to enter, now or later.