CreditProof AI is an educational and organizational tool — not a law firm and not a credit repair service. Read our full legal disclaimer
CreditProof AI helps you understand your credit report, generate FCRA- and FDCPA-informed letters, track legal deadlines, and build a stronger personal or business credit profile.
Free to start · No credit card required · No guaranteed outcomes — we analyze, you decide
The problem
Most dispute letters are templates built for volume — not analysis. They treat every credit problem the same way, which is exactly what credit bureaus and collectors expect.
FCRA covers reporting accuracy. FDCPA covers collector conduct. Using the wrong framework does nothing — or makes things worse.
Mass disputing without analysis often triggers process disputes, not reinvestigations. Bureaus can dismiss them.
The FDCPA 30-day validation window, the 30-day reinvestigation window, method-of-verification rights — each has a clock. Generic tools don't track them.
Is the DOFD accurate? Is there a duplicate tradeline? Is the balance inflated? Generic letters never ask.
Our approach
Answer 14 targeted questions about your account. Our engine classifies the issue as FCRA, FDCPA, or dual-track — and explains exactly why.
We check DOFD accuracy, ownership chain, reporting consistency, balance legitimacy, and FDCPA procedure — before recommending a single letter.
Generate letters matched to your specific situation — initial disputes, validation requests, method-of-verification demands, and escalation notices.
Know the difference
Most people mix them up. CreditProof AI keeps them separate — because the wrong letter to the wrong party accomplishes nothing.
Governs consumer reporting agencies (Equifax, Experian, TransUnion) and the businesses that furnish information to them.
Governs third-party debt collectors — not original creditors collecting their own debts.
Collection account with both a reporting issue and an active collector? CreditProof AI runs dual-track analysis — keeping each statute clean and separate.
Platform modules
14 targeted questions. Classifies your issue as FCRA, FDCPA, or dual-track with explanations.
Checks DOFD accuracy, ownership chain, reporting consistency, and violation confidence score.
10 FCRA templates and 7 FDCPA templates — legally grounded, professionally written, user-editable.
Track every letter from draft to response. Calculates legal deadlines. Flags overdue responses.
Upload and organize credit reports, collection letters, responses, and payment records.
Ask questions, get FCRA/FDCPA guidance, and review your case strategy in plain English.
Entity formation, EIN, D-U-N-S, vendor tradelines, and lender-readiness tracking.
A composite score showing how organized and dispute-ready your credit profile is.
Your data is yours. Row-level security enforced at the database. Sensitive fields masked.
What we do and don't promise
We help you:
We do not promise:
Free to start. No credit card. No guaranteed outcomes — just tools that help you understand and act on your credit situation.