Rebuild and reclaim your credit with DIY dispute letters

Reclaim Ur Credit is a do-it-yourself tool that helps you challenge inaccurate, incomplete, or unverifiable items on your credit report. Upload your report, and our AI scans every account, collection, late payment, and hard inquiry to flag what you have legal grounds to dispute under the Fair Credit Reporting Act — then it writes personalized, lawyer-style dispute letters for Equifax, Experian, and TransUnion that you review, sign, and mail yourself.

It is built for people who want to rebuild and reclaim their credit without paying a credit-repair company hundreds of dollars a month. You stay in full control of the process, the letters, and your data. Each round costs a flat $10 — no subscription, no upsells, and no recurring charges.

Whether you are recovering from a collection, a charge-off, a wrongful late payment, or an unauthorized inquiry, Reclaim Ur Credit gives you the same FCRA §611, FDCPA, and FACTA citations the pros use, in plain language you can send today.

How it works

1. Upload your credit report. Pull a free report and add it securely — no manual data entry required.
2. AI finds disputable items. Every account is scanned for inaccuracies and unverifiable entries with legal grounds to challenge.
3. Get personalized letters. Lawyer-quality dispute letters are generated for all three bureaus, citing the relevant law.
4. Review, sign, and mail. You send the letters yourself, ideally by certified mail, and track the 30-day investigation window.

What you get for $10 a round

• Unlimited disputable items covered in a single round
• Personalized letters for Equifax, Experian, and TransUnion
• Citations under FCRA §611, FDCPA, and FACTA
• No subscription and no recurring fees — pay only when you run a round

Frequently asked questions

How does disputing an item on my credit report work?

Under FCRA §611 you can dispute any item that is inaccurate, incomplete, or unverifiable. You mail a written dispute to the bureau, which must investigate, contact the furnisher, and verify, correct, or delete the item.

What is the 30-day rule for credit disputes?

The bureau generally must complete its investigation within 30 days (up to 45 if you add information mid-investigation). If an item cannot be verified in that window, it must be corrected or removed.

How much does it cost?

$10 per round, with no subscription. Each round covers unlimited items across all three bureaus, and you only pay again if you choose to run another round.

Is this a credit repair company or law firm?

No. Reclaim Ur Credit is a do-it-yourself software tool. We are not a law firm or a credit repair organization, and you submit your own disputes.