Restore generates personalized dispute letter templates based on your federal rights under the FCRA — so you can challenge inaccurate credit report items yourself, on your terms, for a fraction of what credit repair companies charge.
According to a Federal Trade Commission study, 1 in 5 Americans has an error on their credit report significant enough to affect their credit score. That's 50 million people paying more for everything because a bureau got something wrong.
The bureaus make it confusing on purpose. Their online dispute portals are designed for speed — your speed through the process, not speed of resolution. Online disputes are harder to track, easier to deny, and waive certain escalation rights.
Hiring a credit repair company is expensive — and here's what they don't advertise: they're doing the exact same thing you can do yourself under federal law. Lexington Law charges $89.95–$129.95 per month. Sky Blue Credit charges $79/month. They write letters. They mail them. They wait.
You can do this. The law already says so.
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 Our AI scans each report for inaccuracies, errors, outdated items, and categories of information you may have the legal right to dispute.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Late payments, collections, charge-offs, duplicate tradelines, identity theft, outdated items, debt validation, Method of Verification, CFPB complaints, goodwill letters, and more.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.
| Credit Repair Companies | 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.
Representative results, not guaranteed. Individual outcomes depend on specific credit situations and bureau responses.
"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
7-day free trial on every plan. No credit card required. Cancel anytime.
Also available: Coach Basic ($9.99/mo) and Coach Plus ($19.99/mo) for ongoing credit monitoring and AI coaching.
See Full Pricing →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.
No credit card required. Cancel anytime. Full refund within 7 days of your first charge — no questions asked.