Every "AI credit repair" app charges you a monthly fee to mail letters the law already lets you send for free. This engine hands you the whole system — flag the error, get the exact strategy, generate the statute-cited letter, mail it. No account. No subscription. No data collected, ever.
Four steps. The same flow the paid apps sell — except this one is yours, it's free, and the letter it builds is cited to the exact section of federal law.
What's wrong on your report? Pick the closest match — the engine maps it to the law.
Mail certified with return receipt. Keep the green card — it's your proof the 30-day clock started.
The paid apps aren't selling you a right you don't have. They're selling you a stamp and a subscription.
| What matters | The Dispute Engine | "AI" repair app | Hire a company |
|---|---|---|---|
| Monthly cost | $0 forever | $20–$50 / mo | $79–$149 / mo |
| Your data leaves your device | Never — no server exists | Yes, uploaded | Yes, handed over |
| Letters cited to exact FCRA/FDCPA sections | ✓ Every one | Sometimes | Rarely shown to you |
| Works offline / can't be shut down | ✓ It's just a file | ✗ Dies if API changes | ✗ |
| You keep control of the strategy | ✓ You send, you own it | Partial | ✗ Black box |
| Guarantees a score jump | Honest: no one can | Claims to (illegal) | Often does (illegal) |
| 9 letter types incl. §1692g validation & §609 | ✓ All included | 1–2 templates | Hidden |
Under the Credit Repair Organizations Act, guaranteeing a specific result is unlawful. This engine never will — it gives you the tools the law already gave you, and tells you the truth.
They brag about "bank-level encryption."
We don't need any — because nothing is ever transmitted.
Your name, your address, your account numbers — every letter is assembled right here in your browser and stored (if you choose) only in your own device's memory. No login. No cloud. No breach surface. Turn off your wifi and it still works. That's not a feature they forgot to add. It's the one they can't, because their business model is your data.
A refreshed report is a doorway. Here's what's on the other side.
For the inner circle. Everything's already free — this just lifts every limit.