World-Class Credit Repair Platform

Dispute Smarter.
Rebuild Faster.

AI-generated FCRA dispute letters, per-bureau tracking, and a full credit repair workflow — at $77/mo. No credit repair company charges this little for this much.

See How It Works
40+
dispute letter types
3
bureaus tracked independently
$0.05
cost to generate a letter
30-day
money-back guarantee
FCRA & FDCPA compliant letters
AES-256 encrypted data
Metro 2 format — bureau ready
Cancel anytime, instant effect
30-day money-back guarantee
Platform Features

Everything a credit repair company does.
In your hands. At a fraction of the cost.

Built for people who want to handle their own credit repair — with the tools professionals actually use.

AI Dispute Letter Generation

40+ FCRA and FDCPA-compliant letter templates personalized to your specific negative items, creditor details, and dispute strategy. Metro 2 format, bureau-ready.

Per-Bureau Status Tracking

Track each dispute item independently at Equifax, Experian, and TransUnion. An item deleted at one bureau is not automatically deleted at others — we track all three.

Credit Score Timeline

Log your score from any source (Credit Karma, Experian, bank portals) and visualize your progress over time. See which disputes are moving the needle.

Credit Report PDF Parsing

Upload your credit report PDF and let the system extract and catalog negative items automatically. Skip the manual data entry. Start disputing in minutes.

30-Day Deadline Tracking

Bureaus must respond within 30 days under FCRA §611. We track your mailing dates, auto-calculate deadlines, and alert you before the window closes.

Multi-Round Dispute Workflow

Round 1 dispute → Bureau response → Round 2 escalation → CFPB complaint path. The system guides you through every stage, with escalation letters that match bureau responses.

Bureau Response Logging

Log verification results, deletion confirmations, and "verified as reported" responses. The system auto-selects your next letter strategy based on what the bureau said.

Progress Report Export

Generate a full PDF progress report showing all disputes, responses, and score changes. Save it for mortgage applications, legal use, or your own records.

Your Login, Your Data

StackEasy Pro and Credit Repair share the same login. All data is yours — AES-256 encrypted, deleted immediately on cancellation, never sold or shared.

How It Works

From signup to first letter in under 10 minutes

1

Upload Your Report

Upload your credit report PDF. The system parses and catalogs negative items automatically — or add them manually.

2

Select & Customize

Choose the dispute strategy for each item. Pick your letter type, reason, and target bureau. The AI generates your letter instantly.

3

Print & Mail

Download your letter as a PDF. Print it, sign it, and send it via USPS certified mail — you're the sender, which is legally optimal under FCRA.

4

Track & Escalate

Log bureau responses. Get Round 2 and Round 3 letters automatically staged. Escalate to CFPB when needed. Repeat until clean.

Coverage

Every dispute type. All three bureaus.

40+ letter types covering every negative item category across Equifax, Experian, and TransUnion.

Late Payments
Inaccurate late payment reporting — FCRA §611 dispute + goodwill deletion
Collections
Debt validation, obsolescence, statute of limitations, re-aging challenges
Charge-Offs
Inaccurate reporting, balance disputes, duplicate reporting challenges
Hard Inquiries
Unauthorized inquiry removal — permissible purpose challenges under FCRA §604
Identity Errors
Wrong name, SSN, address, mixed files — FCRA §611 accuracy disputes
Bankruptcies
Reporting period enforcement (10-year limit), incorrect status, court record disputes
Repossessions
Inaccurate balance, deficiency disputes, FDCPA violations in repo process
Judgments & Liens
Satisfied judgment verification, obsolescence (7-year limit), duplicate entries
Foreclosures
Reporting period (7 years from delinquency), inaccurate deficiency amounts
Student Loans
Payment history disputes, rehab documentation, servicer error challenges
Medical Debt
CFPB medical debt rules, insurance payment challenges, §1022 escalations
Goodwill Deletions
Creditor-direct goodwill letters for accurate items — relationship-based requests
Comparison

World-class platform. Not world-class price.

Feature StackEasy
$77/mo		 Credit Repair Cloud
$179/mo		 Lexington Law
$99/mo
AI-generated dispute letters✓✓—
Per-bureau status tracking✓✓✓
Credit report PDF parsing✓——
Multi-round workflow engine✓✓✓
12 dispute type categories✓✓Partial
Self-controlled process✓ You sendThey sendThey send
Immediate data deletion on cancel✓——
30-day money-back✓——
Monthly cost$77$179$99
Pricing

Simple, honest pricing.

No long-term contracts. Cancel any time — your access ends immediately, your data deleted, no questions asked.

Monthly
$77
per month, billed monthly
  • 40+ AI-generated letter types
  • Per-bureau tracking (all 3)
  • Credit report PDF parsing
  • Score tracking & timeline
  • Progress report exports
  • 25 letters / 15 items / mo

30-day money-back if fewer than 5 letters generated

Annual — Best Value
$647
per year ($33.08/mo equivalent)
Save $167 vs. monthly
  • Everything in Monthly
  • Priority support
  • Full year locked-in rate
  • 25 letters / 15 items / mo

30-day money-back if fewer than 5 letters generated

Capital Blueprint purchasers: use code BLUEPRINT300 at checkout for 1 free month.

FAQ

Common questions

Is StackEasy Credit Repair a credit repair company?
StackEasy is a self-help software platform. You personally review, print, and mail all dispute letters — we generate them, but you send them. Under the Fair Credit Reporting Act, you have the right to dispute items yourself at no cost. StackEasy gives you the tools professionals use to do it effectively.
Will this actually improve my credit score?
Results depend entirely on your specific situation. If you have inaccurate, incomplete, or unverifiable items, disputes can result in deletion and significant score improvements. If your negative items are accurate and verifiable, they cannot be permanently removed regardless of strategy. We make no guarantees — but we give you the most effective tools available.
What happens to my data when I cancel?
All of your data — dispute items, generated letters, score entries, credit report data, and SSN last 4 — is permanently and irrecoverably deleted immediately upon cancellation confirmation. We show you a full summary of what will be deleted before you confirm. Download your letters before canceling. This deletion cannot be undone.
Is my SSN safe?
We collect only your SSN last 4 digits (required by credit bureaus on dispute letters). It is encrypted at rest with AES-256, transmitted only over TLS 1.3, and is write-only — no one, including StackEasy staff, can read it back. It is cryptographically erased on cancellation. We maintain a GLBA Safeguards Rule-compliant security program.
Can I dispute items from all three bureaus?
Yes. We track each dispute item independently at Equifax, Experian, and TransUnion. The same item can have different statuses at each bureau — for example, deleted at Experian but still showing at Equifax. Our per-bureau tracking handles this correctly.
How is this different from using the free dispute letter tool?
The free tool generates single letters with no tracking, no workflow, and no score monitoring. The subscription adds the full credit repair management system: multi-round workflows, bureau response tracking, automated deadline alerts, PDF parsing, score timelines, and CFPB escalation letters. It's the difference between a hammer and a complete toolkit.
What is the 3-day cancellation right?
Federal law (the Credit Repair Organizations Act) gives you the right to cancel any credit repair subscription within 3 business days of signup with no penalty and a full refund. We present this notice before you can complete checkout — it's a legal requirement we take seriously. After 3 business days, standard cancellation terms apply.

Start repairing your credit today.

The best time to dispute was when the item appeared. The second best time is now.

30-day money-back guarantee · Cancel anytime · Instant data deletion on cancel

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WHAT COMES NEXT

Repair is the first step.
Stacking is where it compounds.

Most clients see meaningful score improvements within 90 days. When your score crosses 700, you are ready for the next phase -- 0% business funding, tracked and optimized inside StackEasy.

Start Free Trial -- StackEasy Platform Apply for Done-For-You Funding

Average client is DFY-funding-ready within 6-12 months of starting repair.