87% of Clients Saw123+ Point Increases
Wondering Why Your Credit Is So Low?
Credit reporting has changed. Our AI-powered platform identifies errors and generates legally-compliant dispute letters that get results.
AI-Powered Analysis
Our Claude AI scans your credit report and identifies every disputable item with detailed legal reasoning based on FCRA guidelines.
Multi-Channel Disputes
Send disputes via email for speed or escalate to certified mail for serious cases. Full tracking on every communication.
Smart Letter Generation
Generate customized dispute letters using proven templates. Factual disputes, debt validation, goodwill letters, and more.
Progress Dashboard
Track every dispute status, bureau response, and credit score change in real-time with our intuitive dashboard.
Debt Validation Letters
Challenge collectors with FDCPA debt validation letters. Many debts can't be properly validated and must be removed.
Bank-Level Security
Your sensitive credit data is encrypted with AES-256 and never shared with third parties. Privacy is our priority.
Repair Your Credit in 3 Easy Steps
Our streamlined process makes credit repair accessible to everyone
Upload Your Report
Get your free credit report from annualcreditreport.com and upload the PDF. Our AI will analyze it in seconds.
Review AI Findings
See every disputable item with clear explanations of why it may be inaccurate or unverifiable under FCRA.
Send & Track Disputes
Choose email or mail delivery, then track responses in your dashboard. We guide you through every step.
Real People, Real Results
Join thousands who have successfully improved their credit scores
“My credit went from 581 to 703 in just 3 months! I never thought it was possible. This service literally changed my life.”
“I was denied for a car loan last year. After using FixMyCredit99, my score jumped 127 points and I got approved!”
“The AI found errors I never would have noticed. 5 collection accounts removed in 45 days. Worth every penny.”
Common Questions
Everything you need to know about fixing your credit
Most credit bureaus complete investigations within 30-45 days. Many of our members see score improvements within one dispute cycle. Factors like the type and number of errors, supporting documentation, and the creditor's response time all affect how quickly you see results.
Unlike traditional credit repair companies that charge monthly fees for manual work, FixMyCredit99 uses AI to analyze your credit report, identify every disputable error, and generate legally-compliant FCRA dispute letters in minutes. You stay in control of the entire process.
You can start with our free plan without uploading anything — create your first dispute letter manually. To unlock AI-powered analysis that automatically identifies all errors and disputable items, upload your credit report PDF from Experian, Equifax, or TransUnion.
Absolutely. The Fair Credit Reporting Act (FCRA) gives every American the legal right to dispute inaccurate, incomplete, or unverifiable information on their credit reports. Credit bureaus are required by law to investigate your disputes within 30 days.
Yes. While our dispute tools are designed for correcting errors on existing reports, our Learning Center has free guides on building credit from scratch, including secured credit cards, credit-builder loans, and authorized user strategies.