The errors on your credit reports are costing you. Take them off yourself.
Every month, millions of Experian, Equifax, and TransUnion files carry items that are inaccurate, outdated, or impossible to verify. Fix My Reports shows you exactly which entries are dragging your score down — and walks you through challenging each one with the bureaus and furnishers, on your own terms.
No hard pull. Cancel any time. Only dispute the inaccurate information.
Not every negative item belongs on your file.
Under federal consumer protection law, anything on your credit reports must be accurate, complete, and verifiable. If it isn't, you have the right to ask the bureaus to prove it — or remove it. Here are the items people most often successfully challenge:
- Late payments you don't recognize
- Collections you never opened
- Charge-offs with the wrong balance
- Repossessions reported on the wrong date
- Hard inquiries you didn't authorize
- Duplicate accounts across bureaus
- Old accounts past the reporting window
- Public records and judgments without paperwork
- Mixed files belonging to someone else
- Identity-theft fraud accounts
Click. Send. Watch it come off.
A simple loop you can run from your phone. We do the heavy lifting on data and language; you stay in control of what gets sent and when.
Get your 3-bureau report
Enroll with one of our partner providers (MyFreeScoreNow or KrediBilgi Merkezi) and download your Experian, Equifax, and TransUnion PDFs.
Upload the PDFs
Drop your bureau PDFs into Fix My Reports. We extract every negative item — collections, late payments, charge-offs, inquiries — automatically.
Send tailored letters
We prepare a dispute letter for each bureau, built around your exact items. You review every word before it goes out.
Re-upload and escalate
After each cycle, upload fresh reports. Track removals, then move to round two on anything still standing.
Letters you send yourself land differently.
Anchored in consumer law
Each dispute cites the specific statute that protects you — FCRA §611 for accuracy investigations, §623 for furnisher duties, §605 for outdated reporting.
Item-by-item, not template spam
Generic letters get rejected. Yours reference the exact account number, reported date, and the specific reason an item is questionable.
Score trend, all three bureaus
Your dashboard tracks per-bureau scores month over month so you can see what's actually moving the needle.
Your data stays yours
We never sell information. Reports and letters live in your account and you can export or delete them at any time.
Doing it yourself vs. hiring it out
Most agencies send generic letters. Bureaus are allowed to dismiss those as frivolous. When you send the letter, they have to investigate.
- $100+ per month, indefinitely
- Generic letters, often rejected
- No transparency on what's sent
- You're locked into contracts
- One flat membership, cancel any time
- Letters built around your exact items
- You approve every word before sending
- Full history, exportable, always yours
A typical first 90 days.
Results vary by file, but most members see movement on their reports inside the first two cycles.
- Day 1Pull your 3-bureau report
Soft pull. We surface every negative item with a recommended action.
- Day 2–5Send round one
Bureau letters go out for the items you approve. Mail or upload — your call.
- Day 30–45Bureaus respond
By law, they have 30 days. Removed items disappear from your file; verified ones come back with details.
- Day 45–60Round two
We escalate anything still standing — furnisher direct, method of verification requests, or §623 letters.
- Day 60–90Track the lift
Re-pull your reports, compare scores across bureaus, and decide what to challenge next.
Your file is the gatekeeper. Clean it up and the doors start opening.
The errors on your reports aren't just numbers — they're the reason a lender said no, a landlord hesitated, or an interest rate came back higher than it should have. Here's what changes when those items come off.
Better cards, real rewards
Premium cards stop bouncing your application. Approval odds climb as soon as inaccurate negatives fall off.
Lower auto rates
A handful of points can be the difference between a prime rate and years of overpaying on a car loan.
Mortgage in reach
Underwriters read every line of your file. Clean disputes make the difference between conditional and approved.
Refi student loans
Refinancing only pays off when your score qualifies you for the best tier. Disputes get you there faster.
New accounts can help raise your score — without a hard pull.
While you challenge the negative items, Fix My Reports also helps you add up to 3 new, positive accounts that don't require a credit pull. They build fresh payment history and credit mix while the disputes remove the bad stuff — so your score gets a lift from both directions.
No credit check needed
These accounts don't trigger a hard inquiry, so there's no risk of your score dropping while you're working to clean your file.
Add up to 3 new accounts
We help you open and report up to 3 fresh accounts that become part of your payment history and strengthen your credit profile.
Build score from both sides
Disputes remove inaccurate negatives. New accounts add positive history. Together, they can move your score faster than either alone.
The letters work. Here's what members say after their first cycles.
Two collections I never opened came off after round one. I'm finally close to qualifying for a mortgage on my own.
I had paid an agency for years for what this portal walked me through in a month. The letters cite the exact statute — bureaus actually respond.
Sent my first batch on a Sunday. Two items deleted within 30 days. The difference is the letter going out under my name.
Three months in, a duplicate account and an old charge-off are gone. Watching the score graph move every month keeps me sending the next round.
I didn't realize how many late payments were reporting on the wrong date until the report parser flagged them. One letter, three removals.
Method of verification request finally got a hard inquiry off that I never authorized. Round two paid off bigger than round one.
Things people ask before joining.
Is it legal to dispute items on my own credit reports?+
Yes. The Fair Credit Reporting Act gives every U.S. consumer the right to challenge any item that is inaccurate, incomplete, outdated, or unverifiable. We help you exercise that right — we never make claims on your behalf.
Will pulling my reports hurt my score?+
No. We use a soft pull, which is invisible to lenders and has zero impact on your score, no matter how often you refresh.
Can you guarantee items will come off?+
Nobody legitimately can. What we can guarantee is that your letters are properly cited, sent to the right party, and tracked end-to-end — which is what gives them a real shot.
How is this different from hiring an agency?+
Agencies typically send generic, template letters in bulk. Bureaus are allowed to dismiss those as frivolous. Letters sent under your name, citing your specific items, must be investigated by law.
What if I get stuck?+
Our specialists are one message away. You're doing the sending; we're sitting next to you while you do it.
Know your rights before you send the next letter.
Short reads on the laws that actually protect you, the mistakes that get letters dismissed, and the tactics that keep furnishers honest.
What the bureaus legally have to do when you dispute
Section 611 forces an investigation within 30 days. Here's exactly what triggers it and what counts as a valid response.
Read articleWhy generic dispute letters get marked frivolous
Bureaus dismiss vague letters by design. Specificity — account number, date, reason — is what forces a real review.
Read articleMethod of verification: the request furnishers hate
When a bureau says an item was 'verified,' you have the right to know exactly how. Most can't actually prove it.
Read article