We analyze your credit reports across all 3 bureaus using AI, identify inaccuracies protected by federal law, and send professionally drafted dispute letters on your behalf — all tracked in real time.
3
Bureaus Covered
Experian · Equifax · TransUnion
35
Day Response Window
FCRA mandated deadline
11
Dispute Types
Legally targeted letters
AI
Report Analysis
Identifies every disputable item
The Process
We do the heavy lifting — you watch your score improve.
Share your credit reports from Experian, Equifax, and/or TransUnion. We accept PDFs or text — no account access required.
Our AI scans every account, applies FCRA §605, §611, §623, FDCPA §809, and CFPB 2024 rules to identify every item you can legally dispute.
We generate FCRA-compliant dispute letters and mail them via Certified Mail. Every response, deadline, and outcome is tracked in real time.
Services
From initial analysis to final removal — we handle the entire dispute process.
Deep AI analysis of all 3 bureaus. Every account reviewed, every inaccuracy flagged with the applicable federal law.
Professionally written dispute letters tailored to each specific error type — not_mine, wrong balance, expired, identity error, and more.
Real-time score history charts for all 3 bureaus. See exactly how much your score has improved month over month.
Automated FCRA deadline tracking — bureaus must respond within 30–35 days. We alert you before any deadline passes.
Federal laws we leverage to protect your rights
Why MV Tech
Most credit repair services use generic letter templates. We combine experienced specialists with AI that reads every line of your report, applies the correct federal statute, and sequences disputes strategically to avoid "frivolous" rejections.
Strategic dispute sequencing
We never file more than 5 disputes per bureau per round — the legal threshold for "frivolous" rejection.
Data encrypted at rest
Your SSN and personal data are encrypted with AES-256-GCM. Access is logged and audited.
Certified Mail tracking
Every letter goes out via USPS Certified Mail with return receipt, creating legal proof of dispute submission.
Real-time client portal
Track every dispute, every deadline, every score change — live. No waiting for monthly updates.
Dispute Status
Updated liveCapital One Collection
Experian · Expired 7yr FCRA §605
Medical Collection $340
Equifax · CFPB 2024 Medical Rule
Unknown Account
TransUnion · Identity Error §605B
Wrong Balance Reported
Experian · FCRA §623(a)(2)
Score improvement
+84 pts
Items removed
3 / 4
Success rate
75%
Pricing
No hidden fees. No long-term contracts. Pay month-to-month and cancel anytime.
Starter
+ $49 one-time setup fee
Professional
+ $99 one-time setup fee
Premium
Contact us for pricing
All plans include a 30-day money-back guarantee. Cancel anytime with no penalty.
FAQ
Contact
Schedule a free consultation. We'll review your credit situation, identify every item that can be disputed, and give you a clear picture of what's possible — at no cost.
Access your disputes, download letters, and track your score progress in the client portal.
Go to Client Portal