How CreditCoach AI Works
1. Get Your Credit Report
Go to annualcreditreport.com — the only federally authorized source for free credit reports. You get one free report from each of the 3 bureaus (TransUnion, Equifax, Experian) every year.
Download the PDF from all 3 bureaus. Each one is a separate PDF. You can upload them one at a time or all at once.
2. Upload & AI Analysis
Upload your PDF. Our AI engine scans the entire report and identifies:
- Late payments (30, 60, 90+ days)
- Collections and charge-offs
- Hard inquiries (authorized and unauthorized)
- Public records (bankruptcies, judgments, liens)
- Reporting errors (the fastest wins)
- Credit utilization rate
3. Three Types of Letters
CreditCoach AI generates 3 types of legal letters based on what we find:
🏛️ FCRA Dispute Letters
Sent to: TransUnion, Equifax, Experian
Under FCRA § 1681i, bureaus must investigate any disputed item within 30 days. If they can't verify it with the furnisher, they must remove it. This is the core of credit repair — 70% of reports have errors, and bureaus frequently can't verify old items.
📋 FDCPA Debt Validation Letters
Sent to: Collection agencies
Under FDCPA § 1692g, you have 30 days from a collector's first contact to demand validation. They must prove: the debt is yours, the amount is correct, they're licensed, and the statute of limitations hasn't expired. Many collectors can't produce this documentation — especially for debts that have been sold multiple times. If they can't validate, they must stop collecting and remove the item.
🛑 Cease & Desist Letters
Sent to: Collection agencies
Under FDCPA § 1692c(c), you have the right to demand collectors stop all communication. Once they receive this letter, they can only contact you once more — to tell you they received it or to notify you of a specific action (like a lawsuit). Violations carry $1,000 per violation in statutory damages.
4. Print & Mail
For each letter:
- Fill in your personal info (name, address, phone, SSN last 4)
- Print the letter
- Sign it
- Mail via certified mail with return receipt
- Keep the receipt — it's your proof of delivery
Pro tip: Send disputes to all 3 bureaus separately, not all in one envelope. This increases the chance that at least one bureau fails to verify and removes the item.
5. Wait 30 Days
The FCRA requires bureaus to complete investigations within 30 days. They must send you written results within 5 business days of completion. If they removed items, they must send you a free updated credit report.
⚖️ Legal Disclaimer
CreditCoach AI is not a law firm and does not provide legal advice. We help you identify potential errors and generate FCRA/FDCPA-compliant letters. You have the legal right under federal law to dispute inaccurate information on your credit report. If a collector violates the FDCPA, you may have grounds for a lawsuit — consult an attorney for legal advice. Results vary based on your specific situation.