Restore는 FCRA에 따른 연방 권리를 바탕으로 맞춤형 이의신청 서한 템플릿을 생성하여, 신용 리포트의 부정확한 항목을 당신의 방식으로, 신용 리페어 업체 비용의 일부만으로 직접 이의 제기할 수 있도록 돕습니다.
미국 연방거래위원회(FTC)의 연구에 따르면, 미국인 5명 중 1명의 신용 리포트에는 신용 점수에 영향을 줄 만큼 심각한 오류가 존재합니다. 이는 5천만 명이 신용평가사의 잘못된 기록 때문에 모든 비용을 더 많이 지불하고 있다는 뜻입니다.
신용평가사들은 의도적으로 과정을 혼란스럽게 만듭니다. 온라인 이의신청 포털은 '빠름'을 위해 설계되었지만, 그 빠름은 해결 속도가 아니라 당신이 절차를 통과하는 속도입니다. 온라인 이의신청은 추적이 어렵고, 기각되기 쉬우며, 일부 에스컬레이션 권리를 포기하게 됩니다.
신용 리페어 회사를 고용하면 비용이 많이 듭니다 — 그리고 그들이 광고하지 않는 사실이 있습니다. 그들이 하는 일은 연방법에 따라 당신이 직접 할 수 있는 바로 그 일입니다. Lexington Law는 월 89.95~129.95달러, Sky Blue Credit는 월 79달러를 청구합니다. 서한을 쓰고, 부치고, 기다립니다.
당신은 할 수 있습니다. 법이 이미 그렇게 말하고 있습니다.
Visit annualcreditreport.com — the only government-authorized source for your free credit reports from all three bureaus. Download all three as PDFs and upload them to Restore. Our AI scans each report for inaccuracies, errors, outdated items, and categories of information you may have the legal right to dispute.
Choose which items to dispute. Restore generates personalized dispute letters citing the exact federal statutes that give you the right to challenge each item — tailored to each bureau's requirements and formatted to create a clear paper trail. Review, download as PDF, print, and sign. The letter is yours. You send it.
Mail your letters via certified mail with return receipt. Restore automatically tracks your 30-day FCRA deadline. When bureaus respond — or when the window expires — we generate your next letter automatically: Method of Verification, direct furnisher dispute, or CFPB complaint template. Every step covered.
Late payments, collections, charge-offs, duplicate tradelines, identity theft, outdated items, debt validation, Method of Verification, CFPB complaints, goodwill letters, and more.
Each letter cites the specific FCRA section that applies to your dispute. No generic templates — every letter is built for your situation and the bureau receiving it.
Never miss your FCRA reinvestigation window. Restore tracks every deadline from the date of mailing and reminds you when action is required.
When a bureau responds — or when the 30-day window expires — Restore generates your next letter based on the outcome: verified, modified, or deleted.
FCRA §605B block letters, fraud alert request templates, and FTC IdentityTheft.gov integration guide — for when the error isn't an error at all.
Specific, prescriptive guidance: "Pay $347 to Capital One before April 22 to potentially reduce your utilization by 9 points." Predictive score forecasting included in Coach plans.
Credit repair companies aren't doing something you can't do. They're doing something for you that you have the legal right to do yourself.
| 신용 리페어 회사 | Restore | |
|---|---|---|
| Average monthly cost | $79–149/month | $19–49/month |
| Who writes the letters | They do — using the same FCRA statutes | You do — guided by Restore templates |
| Who mails the letters | They do (raises CROA compliance questions) | You do — exercising your own federal rights |
| Contractual protections | Often require multi-month commitments | Cancel anytime, 7-day trial |
| Score guarantees | Often illegal to promise under CROA | We don't promise — the law gives you the right |
| Your data control | You sign power of attorney; they act for you | You review, you sign, you send |
Think of Restore like TurboTax for credit disputes: the software helps you understand and apply the law — you're the one who files.
대표적인 사례이며 결과를 보장하지 않습니다. 개별 결과는 구체적인 신용 상황과 신용평가사의 응답에 따라 달라집니다.
"I had three late payments from an account that was paid on time — the servicer reported them wrong. Restore generated the dispute letters in about 10 minutes. All three came off after the first round. I didn't know I could do this myself."Marcus T. — Atlanta, GA
"I was a victim of identity theft — someone had opened two credit card accounts in my name. Restore's §605B identity theft block letter had both accounts removed in about two weeks. The letter cited the exact law. The bureau didn't even push back."Priya S. — Phoenix, AZ
"A debt collector had been reporting a medical collection I'd disputed with the hospital directly — but it kept showing up. Restore's debt validation letter gave me the exact language under the FDCPA to demand they prove the debt. They couldn't. It was removed."David R. — Milwaukee, WI
모든 플랜에 7일 무료 체험 포함. 신용카드 불필요. 언제든 해지 가능.
Also available: Coach Basic ($9.99/mo) and Coach Plus ($19.99/mo) for ongoing credit monitoring and AI coaching.
See Full 요금제 →No. Restore is software — specifically, a letter-generation and deadline-tracking tool. Under the Credit Repair Organizations Act (CROA), a credit repair organization performs credit repair services on your behalf. Restore generates template letters that you review, print, sign, and mail yourself. You are exercising your own rights under the FCRA. Think of it like TurboTax: the software helps you understand and apply the law — you're the one who files.
Yes, absolutely — and we'll always be honest about that. The CFPB and FTC both publish free resources on how to dispute credit report errors. Restore saves you time, reduces errors, tracks your 30-day deadlines, and generates your follow-up letters automatically. It's the difference between doing your taxes by hand and using software: possible either way, faster and more accurate with the right tool.
No. Disputing inaccurate items does not negatively affect your credit score. The dispute process is a federally protected consumer right. During the investigation period, bureaus may place a "dispute" notation on the account — this does not affect score calculations. If a disputed item is deleted or corrected, your score may improve.
The FCRA was written by Congress to give you power over your own credit data. You don't need permission. You don't need a lawyer. You need the process, the right letters, and someone to track the deadlines.
신용카드가 필요하지 않습니다. 언제든 해지 가능. 첫 결제 후 7일 이내 전액 환불, 사유 묻지 않음.