Is something on your credit report holding you back?
You have the legal right to dispute anything inaccurate, unverifiable, or illegally reported. AMELIA knows every statute. She writes the letter. The bureau has 30 days to respond — by federal law.
The law is on your side.
Before we talk about the platform — you need to know what you're already entitled to under federal law. No attorney. No agency. Just you, and the rights Congress gave you.
AMELIA was built on every statute below — and 44 more. She invokes them automatically in every letter she writes.
The Fair Credit Reporting Act gives you the right to dispute anything on your credit report that's inaccurate, unverifiable, or reported by someone who didn't have the legal authority to put it there.
FCRA § 1681iThe bureaus are required by federal law to investigate your dispute within 30 days. If they don't respond — that's a documented violation with real monetary consequences.
FCRA § 1681i(a)(1)(A)If a bureau cannot verify that the information is accurate, they are legally required to delete it — even if the underlying debt exists. Unverifiable is not the same as false. Both get removed.
FCRA § 1681i(a)(5)(A)Debt buyer cannot prove chain of ownership.
Approaching 7-year removal window under § 1681c(a)(4).
Reported balance does not match your records.
She reads your report. You approve the letter.
AMELIA parses every tradeline, balance, date, and inquiry. She knows which items are challengeable under which statute — and she writes the letter before you even finish reading her analysis.
Three steps. Federal law at every one.
Upload Your Report
Get your free credit report from AnnualCreditReport.com. Upload the PDF. AMELIA reads every line in seconds.
You're entitled to a free credit report every 12 months. Costs nothing to start.
AMELIA Finds What's Wrong
She identifies inaccurate accounts, incorrect balances, unauthorized inquiries, and collection violations — each referenced to the exact statute.
Bureaus must follow 'reasonable procedures to assure maximum possible accuracy.' AMELIA knows when they haven't.
The Bureau Has 30 Days
AMELIA writes your letter. You approve it. Once it goes out, the bureau is legally required to investigate and respond within 30 days. Silence is a violation.
The 30-day investigation mandate. Federal law. Not a request. A requirement.
Watch your score actually move.
Every deletion tracked in real time. The chart shows exactly where you started and where you're going.
Results vary. Past outcomes are not indicative of future results.
See what opens up as your score grows.
Every deletion unlocks something. Track what you're qualifying for — in real time.
Choose your plan.
Pick the plan that fits your needs. Upgrade anytime.
Your first dispute. AMELIA writes Round 1. The bureau has 30 days to respond by law.
- All 3 bureaus (Big Three)
- Round 1 Accuracy Flow letters
- AMELIA AI letter writer
- Score tracking (all 3 bureaus)
- Credit health dashboard
- Mobile-friendly portal
Cancel anytime · 3-day cancellation right per CROA
All rounds unlocked. Collection accounts, ChexSystems, and the full escalation chain.
- Everything in Essentials
- All dispute rounds (FCRA)
- Collection Flow (FDCPA)
- ChexSystems + Early Warning Services
- CFPB complaint filing
- Evidence center
- Email support
Cancel anytime · 3-day cancellation right per CROA
Every bureau, every furnisher, the full CFPB engine, and the Credit Readiness tracker.
- Everything in Starter
- All 38 secondary furnishers
- Consent Flow (§ 1681b)
- Full Credit Readiness Engine (14 products)
- Metro 2 basic scanner
- Priority support
Cancel anytime · 3-day cancellation right per CROA
The complete legal escalation chain — Litigation Engine, attorney referral, and a 1:1 call.
- Everything in Plus
- Full Litigation Engine
- Attorney referral scoring
- AG & FTC complaint tools
- AMELIA legal consultations
- 1:1 specialist onboarding call
Cancel anytime · 3-day cancellation right per CROA
You have the right to dispute inaccuracies directly with credit bureaus at no cost.
Disputes processed today across the D2G platform
Average credit score improvement for active users
Federal statutes AMELIA knows and invokes automatically
| Feature | D2G | CRC Agency | Credit Karma | DIY |
|---|---|---|---|---|
| AI-written dispute letters (unique) | ✓ | — | — | — |
| FCRA statute cited in every letter | ✓ | — | — | — |
| CFPB complaint generator | ✓ | — | — | — |
| Attorney referral scoring | ✓ | — | — | — |
Results vary. Past outcomes are not indicative of future results. Dispute2Go is not a law firm and does not provide legal advice.
Your credit report. Your rights. Your move.
Start today — no attorney needed.
Get StartedYou have the right to dispute inaccuracies directly with credit bureaus at no cost. · Dispute2Go is not a law firm and does not provide legal advice.