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Quick guidance for uploads, dispute letters, score tracking, membership, and safe use of CreditFixPro.
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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 account-level reinvestigation, when you can identify the exact personal information that is inaccurate or mixed with another file.
Send to: Each bureau where the incorrect personal info appears.
Open in appWhat it’s for: Ask a credit bureau to reasonably reinvestigate under 15 U.S.C. § 1681i, with a specific good-faith accuracy, completeness, or ownership issue for every selected account.
When to use: After confirming imported report details and completing any needed personal-information correction letter; identify the exact issue and requested correction for each selected account.
Send to: Each bureau where the tradeline appears (TransUnion, Experian, Equifax).
Open in appWhat it’s for: Prepare a fact-supported follow-up after reviewing the bureau result, or a status request after confirming delivery and finding no recorded result by the applicable checkpoint.
When to use: Only after you record the mailing, review any bureau response, and identify what remains inaccurate or incomplete—or confirm that no result was received.
Send to: The bureau that issued the result or received the original reinvestigation request.
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: Compare a later report with your prior review and organize the bureau-directed follow-up drafts supported by the current self-service workflow.
When to use: After you receive or obtain an updated report and personally confirm what changed, what remains inaccurate, and which response documents you received.
Send to: The bureau connected to the reviewed result or follow-up; always verify the recipient before sending.
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 and confirm the parsed details against the source. If the report contains exact incorrect personal identifiers, prepare a personal-information update/correction letter before moving to account-level Round 1 reinvestigation letters.
Misspelled names, incorrect addresses, and mixed identifying information can make later account review harder to organize. Use the correction step only for exact inaccurate or mixed-file identifiers, not merely because accurate information is old.
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 bureau's statutory description of the reinvestigation procedure, identify exact remaining 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 reinvestigation letters require an active membership.
Regular unlocks Round 1 bureau reinvestigation letters and keeps personal info cleanup available after starter access ends. Pro adds advanced bureau follow-up drafts, hard-inquiry draft variations, refreshed-report comparison, and workflow tracking.
Regular is planned at $5.99 per month. Pro is planned at $29.99 per month for the advanced self-service template workflow. Paid memberships are not broadly live while legal and payment review is still in progress. When paid access is enabled, 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.