+67 pts
571 → 638
Removed two Portfolio Recovery collections using the debt validation letter. 45 days.
Marcus T., Atlanta GA
Built for you. Priced like we mean it.
The credit repair industry charged $120 a month for decades. We think that's wrong.
Resolve gives you professional-grade FCRA dispute tools, AI-written letters, and the full escalation playbook that law firms use. $19.99 a month after a 60-day free trial. We made that a decision, not a discount.
No credit card required. FCRA gives bureaus 30 days to respond to disputes, so your 60-day trial means you see real results before you pay a cent.
Real results. No hype.
The scoreboard doesn't lie.
Real outcomes from real people who followed the playbook.
+119 pts
534 → 653
Enrolled in student loan rehab, disputed a re-aged charge-off. 90 days.
Danielle R., Houston TX
+88 pts
601 → 689
Filed a CFPB complaint after the bureau verified without proof. Gone in 22 days.
James W., Chicago IL
Individual results vary. Figures are user-reported.
Inside Resolve
This is what law firms charge $350/hour to know.
The exact tools credit attorneys use, now in your hands.
The Debt Validation Arsenal
Before you pay a collector a single dollar, demand proof they have the right to collect. Chain of title. Original agreement. Itemized accounting. Most fold when you know how to ask.
The 15-Day Demand
After any 'verified' bureau response, FCRA §611 gives you 15 days to demand exactly how they investigated. Most bureaus can't answer. Resolve generates the letter automatically.
The CFPB Escalation
A CFPB complaint is a federal filing, not a suggestion. It forces a response within 15 days and creates a legal paper trail collectors cannot ignore.
The Pay-for-Delete Negotiator
Collectors will remove a negative account entirely in exchange for payment, if you ask the right way, in writing, before you pay. Resolve shows you exactly how.
The Chain of Custody Challenge
When a debt is sold, every transfer must be fully documented. If a collector can't produce an unbroken paper trail from the original creditor to themselves, they have no legal right to collect or report it. Resolve walks you through the demand in three steps.
The playbook
What the bureaus hope you don't know.
Three tactics handle most disputes. Federal law has an answer for each one.
01
The Automated Rejection
Bureaus feed disputes into e-OSCAR, a computer system that sends a 2-digit code to the furnisher and calls it 'investigated.' No human ever reads your letter.
02
The Verification Loop
They say 'verified' but never tell you how. Under FCRA Section 611(a)(7), you have the right to demand exactly that.
03
The Frivolous Label
Bureaus stamp disputes 'frivolous' to avoid investigating. They can only do this if they follow a strict legal process. Most don't.
Industry truth
What the Credit Repair Industry Doesn't Tell You
Three things every credit repair company hopes you never figure out.
Hidden Pricing
Most credit repair companies charge $100-150/month but hide their rates behind a "free consultation" call. You have to speak to a salesperson just to learn what you'll pay.
Illegal Guarantees
Under the Credit Repair Organizations Act (CROA), no company can legally promise a specific score improvement. "150 points in 90 days" is not a feature - it's a federal red flag.
No Education
Done-for-you services keep you dependent. When you stop paying, you stop getting results. You never learn your rights, and the cycle repeats.
Resolve gives you the tools, the knowledge, and the rights. $19.99/month. No consultation required.
The truth
Here's what no one in this industry wants to tell you.
Negative items can only be removed from your credit report two ways:
- 1.The item contains an error or inaccuracy
- 2.The creditor fails to verify it within 30 days of a dispute
That's it. That's the entire legal framework. Companies charging $99-$199 a month are doing exactly what you can do yourself under the FCRA: filing dispute letters and waiting.
Resolve automates that process at $19.99/month, starting with something no one else does: an honest assessment of what on your report is actually fightable, and what isn't.
Because the best dispute strategy isn't aggressive. It's accurate.
| Typical Credit Repair | Resolve | |
|---|---|---|
| Price | $99-$199/month | $19.99/month |
| Free trial | Rarely | 60 days |
| Removes accurate negative items | No (they just won't say that) | No (we tell you upfront) |
| Dispute letters sent | Yes | Yes |
| FCRA rights education | No | Yes |
| Honest assessment of what's fightable | No | Yes |
| You control the process | No | Yes |
Everything they charge $199/month for, we do at $19.99, and we're the only ones honest about what credit repair actually can and cannot do.
Why Resolve exists
They built a business on you not knowing this.
The credit repair industry didn't get expensive by accident.
Credit repair companies
The $120/Month Way
$99–$199/mo | Year 1: up to $2,388
- They write the letters. You wait.
- No visibility into what they're doing
- No legal knowledge stays with you
- Cancel and lose everything you paid for
Resolve
The Resolve Way
$19.99/mo | Year 1: $239.88
- You own the dispute process end to end
- Full visibility into every deadline and outcome
- FCRA law built directly into the platform
- Your knowledge stays with you forever
They priced you out of your own rights. We didn't.
Do the math
Why not use a credit repair company?
Same laws. Same letters. A very different price and a very different level of control.
| Feature | Resolve | Credit Saint / Sky Blue / The Credit People |
|---|---|---|
| Monthly cost | $19.99 | $79-$129/month |
| You keep your letters | Yes | No, they own the process |
| FCRA legal citations | Every letter | Generic templates |
| Escalation path | Built in (MOV, CFPB, State AG) | Call their team |
| Cancellation | Any time | Contracts, fees |
| Transparency | Full, you see every step | Opaque |
They charge 10x more to do what you can do yourself, with Resolve guiding you every step.
Our promise to you
We built this for the people the system forgot.
We know what it feels like to be declined.
To watch a number on a screen close a door you really needed open. To feel like the rules were written by people who never had to worry about the rules.
We know what it feels like to find help, only to find out the help costs $100 a month.
To realize that the people who need it most are exactly the people who can least afford it.
That is not who we are.
AI dispute letters written for your specific accounts
Score simulator that shows impact before you act
Bureau comparison that catches cross-bureau discrepancies
30-day deadline tracker the bureaus are legally bound by
Statute of limitations calculator for every state
Pay-for-Delete letter generator creditors don't want you to have
Tools that credit repair companies charge hundreds for, because they know most people have no idea they have rights.
You have rights. You have options.
And now you have Resolve.
Start free. No credit card required.
Core dispute tools are free forever. Upgrade to Premium for the full AI-powered toolkit, $19.99/month, cancel anytime.
Start freeWhat you get
Most of it is free.
We built Resolve so the free tier gives you more than most people pay $120 a month to get elsewhere.
Free, always
Core Tools
- Dispute letters and FCRA tracking
- Negative item tracker
- Bureau response analyzer
- FCRA 30-day countdown calendar
- Score history and score models
- Alerts and deadline reminders
- Action plan
- Credit simulator
- Student loan and medical debt tools
- File hygiene checker
- Federal protection reference
- Bureau Not Found wizard
- Chain of Custody Challenge
- Rent reporting
- Community and victory board
- Credit news feed
- Refer a friend
Premium
Everything above, plus:
Score Decoder
Breaks down exactly why your score is what it is and what moves it fastest.
Credit Building
Step-by-step tools to build positive history, not just remove the bad.
Lender-Ready
Know exactly where you stand before you apply. No surprises, no hard pulls.
Attorney Connect
AI triage that tells you when a lawyer is worth it and connects you to one.
60-day free trial. No credit card required.
The price
Everything above.
$19.99 a month.
After a 60-day free trial. No credit card required. Cancel anytime.
FCRA gives bureaus 30 days to respond to disputes. Your 60 days means you see real results before you pay a cent.
Start your 60-day free trial