Restore 基于您在 FCRA 下的联邦权利,生成个性化的争议信函模板——让您按自己的方式挑战信用报告中的不准确项目,费用仅为信用修复公司的一小部分。
根据美国联邦贸易委员会 (FTC) 的研究,每 5 个美国人中就有 1 人的信用报告存在足以影响信用分数的错误。这意味着 5,000 万人因为信用机构的差错而为各种事物支付更多费用。
信用机构有意让流程变得混乱。他们的在线争议门户的设计目的是让您快速走完流程,而不是快速得到解决。在线争议更难追踪、更容易被拒绝,并会放弃某些升级权利。
聘请信用修复公司费用昂贵——而他们不会宣传的一点是:他们所做的事情,完全是您依据联邦法律可以自己做的。Lexington Law 每月收费 89.95–129.95 美元。Sky Blue Credit 每月 79 美元。他们写信、寄信、等待。
您可以做到。法律早已如此规定。
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 Our AI scans each report for inaccuracies, errors, outdated items, and categories of information you may have the legal right to dispute.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Late payments, collections, charge-offs, duplicate tradelines, identity theft, outdated items, debt validation, Method of Verification, CFPB complaints, goodwill letters, and more.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.
| 信用修复公司 | 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.
示例结果,不代表保证。个人结果因具体信用情况和信用机构回复而异。
"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
每个套餐均含 7 天免费试用。无需信用卡。随时取消。
Also available: Coach Basic ($9.99/mo) and Coach Plus ($19.99/mo) for ongoing credit monitoring and AI coaching.
See Full 价格 →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.
无需信用卡。可随时取消。首次扣款 7 天内全额退款,不问原因。