Quick guidance for uploads, dispute letters, score tracking, membership, and safe use of CreditFixPro.
Each template below includes what it’s for, when to use it, and who to send it to. Review all facts before sending. CreditFixPro provides educational information and drafting tools, not legal advice.
What it’s for: Correct wrong names, addresses, phone numbers, employers, or mixed-file personal identifiers.
When to use: Send early (before other disputes) if personal info on the report is incorrect or inconsistent.
Send to: Each bureau where the incorrect personal info appears.
Open in appWhat it’s for: Review negative tradelines you believe may be inaccurate, incomplete, outdated, unverifiable, or not yours, then prepare user-reviewed drafts when you have a good-faith basis.
When to use: After uploading/parsing reports and selecting the tradelines you have a good-faith basis to dispute.
Send to: Each bureau where the tradeline appears (TransUnion, Experian, Equifax).
Open in appWhat it’s for: Follow up when a bureau response says 'verified/accurate' or when there is no timely response.
When to use: After you mark a dispute as sent and record an outcome of Verified or No Response in the tracker.
Send to: The bureau that issued the verified response (or failed to respond).
Open in appWhat it’s for: Question hard inquiries that are unauthorized, duplicated, or appear due to identity/mixed-file issues.
When to use: Only when you have a good-faith reason the inquiry should not be reporting as shown.
Send to: The bureau(s) reporting the inquiry.
Open in appWhat it’s for: More targeted letters for specific problems (late pays, student loan reporting, collections validation, direct furnisher disputes).
When to use: When Round 1 is not enough and you can point to specific fields, dates, or contradictions to investigate.
Send to: Varies by template (bureau vs creditor/furnisher vs collector).
Open in appUse current bureau PDFs and confirm parsed details.
Review every letter before mailing or submitting.
Record sent dates, responses, and next steps.
Start at AnnualCreditReport.com or use a credit report PDF you already have from a bureau or monitoring provider. CreditFixPro works best when you upload a current 3-bureau report or one PDF from each bureau.
Upload your reports, review the parsed accounts, then complete the personal information cleanup step before generating account dispute letters.
Old addresses, misspelled names, and mixed identifying information can make disputes harder to organize. Cleaning up personal information first gives your later account disputes a cleaner starting point.
No. The app drafts letters for your review. You decide what to use, confirm the facts, print or save the letter, and mail or submit it yourself.
You should not claim accurate information is inaccurate. Use the app to organize issues you believe are inaccurate, incomplete, outdated, unverifiable, or not yours.
Many bureau disputes are investigated within about 30 days, though timing can vary based on the type of dispute, supporting documents, and applicable rules. Track the date you send each dispute.
A verified result does not always mean the issue is over. Paid follow-up workflows help you request the method of verification, dispute exact inaccuracies, or prepare a next-round letter when the facts support it.
Credit report PDFs vary by provider. If something looks wrong, review the original report and manually confirm important details before using any generated letter.
After you send disputes, a monthly or 30-60 day refresh is usually enough to see what changed and decide the next step.
No. Scores depend on many factors, and outcomes are not guaranteed. The app helps you organize your process and draft user-reviewed documents.
The free version includes report upload, file review, basic dispute tracking, and 30-day starter access to personal info cleanup. Round 1 dispute letters require an active membership.
Regular unlocks Round 1 verification letters and keeps personal info cleanup available after starter access ends. Pro unlocks inquiry templates, follow-up drafts, direct furnisher drafts, specialty templates, and report comparison tools.
Regular is $5.99 per month. Pro is $29.99 per month for the advanced self-service template workflow. You can cancel future renewal online from Billing.
No. The app should avoid storing more sensitive information than needed. Do not enter full SSNs into support messages or chat.
No. CreditFixPro provides educational information and drafting tools. It is not a law firm, and you should contact a qualified attorney for legal advice.
Email support@getcreditfixpro.com from the email address on your account. Do not include full SSNs, passwords, payment card details, or full account numbers in the message.
Email support@getcreditfixpro.com. Do not send full SSNs, full account numbers, passwords, or payment details in support messages.