The Fair Credit Reporting Act gives every American the right to dispute inaccurate information on their credit report. Congress passed that law in 1970. The CFPB enforces it today. And yet most people have never successfully exercised that right — not because they can't, but because no one showed them how.
I didn't set out to build a credit company. I set out to fix my own credit report.
A few years ago, I found three items on my Experian report that were wrong. One was a late payment from an account I'd paid on time — I had the bank statement to prove it. One was a collection account that wasn't mine at all; I'd never opened that credit card. And one was a charged-off account that had been reporting for nine years — past the seven-year limit under FCRA §605.
So I went looking for help. What I found was a credit repair industry that wanted $99 a month to mail the same letters I could legally mail myself. And I found the CFPB website, which was accurate and helpful but written for lawyers, not people.
I spent a weekend reading the FCRA. I mean actually reading it — 15 U.S.C. §1681 through §1681x. It's dense, but it's not complicated once you understand the structure. The law is clear: you have rights, bureaus have obligations, and there's a process. What there isn't is a simple way for a normal person to go from "this is wrong" to "here's the certified letter, formatted correctly, citing the right statute, tracked to the right deadline."
I had a background in software. So I built the tool I wanted to exist.
The first version was just a template library and a spreadsheet tracker. My sister used it. Her neighbor used it. A friend of a friend messaged me at 11pm asking if I could walk him through it. I realized the demand wasn't just personal — it was widespread. And the information asymmetry was real: the people who needed credit dispute help the most were least likely to have the time, language, or legal literacy to navigate it alone.
Restore is the answer to that gap. Not a credit repair company. Not a law firm. Software that treats you like an intelligent adult who just needs the right tools.
Your credit report affects your mortgage rate, your car loan APR, your apartment application, your ability to start a business, and in most states, your insurance premiums. Under federal law, you have the right to challenge data that's wrong. Exercising that right shouldn't require a law degree or a $1,200 retainer.
The FCRA isn't a wishlist. It's enforceable federal statute. Bureaus that fail to investigate within 30 days face liability. Furnishers that ignore reinvestigation requests face liability. Consumers who know the law — and document their disputes correctly — are in a position of real legal standing. Restore helps you build that position.
We're not anti-lawyer. There are situations — severe mixed file cases, identity theft that's reached the court system, persistent non-compliance by major furnishers — where an FCRA attorney is the right call. We'll tell you when you're there and point you toward free resources. But the baseline dispute process? That's yours to run. It doesn't require a bar license.
We will always tell you what you can dispute and why — and what you cannot. We won't promise outcomes we can't control. We won't use fear or urgency to get you to sign up. The credit industry has a long history of making things opaque to profit from that opacity. Restore's business model depends on being the opposite: if you understand your rights clearly and use our software effectively, you tell someone. That's our growth strategy.
Restore was built by a team with backgrounds in consumer fintech, credit data, software engineering, and consumer advocacy. Our letter templates have been reviewed for legal accuracy and updated to reflect the most recent CFPB rulemaking.
We're not a division of a credit bureau, a bank, or a data broker. We have no financial relationship with any of the three major credit bureaus. Our only incentive is to help you exercise your rights effectively.
If you have questions about how we handle your data, read our Privacy Policy. If you have questions about the legal basis for a specific dispute letter, email us — we'll explain the statute.
For media inquiries, interview requests, or coverage, email press@restore.credit.
Restore is not a law firm. Restore software generates letter templates to help consumers exercise their own rights under the Fair Credit Reporting Act (15 U.S.C. §1681 et seq.). Nothing on this site constitutes legal advice. For legal advice specific to your situation, consult a licensed consumer finance attorney.
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