haze dispute pro

Fair Credit Reporting Act 1681i

Your credit is more than a number.

But the number is what everyone else sees.

Know what is being reported.

Three bureaus, three files, and they do not always agree with each other.

Find what deserves a closer look.

Items enter a round because something in the report supports the claim. We do not dispute everything.

From credit data to action.

Your letter, in your name, over your signature. Mailed certified, with the receipt stored.

The bureaus have thirty days.

The clock starts on the delivery event, not the postmark. We track it either way.

TransUnionExperianEquifax

Proof, not promises.

547Credit score

You keep the file, the letters and the receipts, whatever the bureaus decide.

Start a dispute

Fair Credit Reporting Act 1681i

Your credit is more than a number.

You can dispute your file yourself, for free. What you pay us for is the certified receipt, the tracked clock, and the file before and after.

Start a dispute

The part nobody in this business says out loud

You can do this yourself.

The FTC says it, and they are right. You can dispute anything in your file directly with the bureaus, at no cost, and you get a free copy of your report from each of them every twelve months. If that is the route you want, take it. We will even tell you where to start.

What we sell is not access. It is the record of what was sent, when it landed, who signed for it, and what the file said on both sides of the round.

How a round works

Five steps, and each one leaves something behind.

  1. 01

    Your file, as it arrived

    We pull all three reports and store them exactly as they came in. Nothing is edited. That stored copy is what every later comparison is measured against.

    Stored report, three bureaus
  2. 02

    You decide what is wrong

    Items enter a round because something in the report supports the claim. We do not dispute everything. That pattern is what draws enforcement, and bureaus screen for it.

    Your itemised claim list
  3. 03

    The letter is yours

    It goes out in your name, over your signature. We assist with drafting and we supply the citations. We are not a law firm and we do not represent you.

    The signed letter, as sent
  4. 04

    Certified, with a receipt

    Every letter is mailed certified with return receipt. The signature and the delivery date come back to your file. The thirty day clock starts on the delivery event, not on the postmark.

    Tracking number and signature
  5. 05

    The file, before and after

    When the round closes we pull the reports again and show you both versions side by side. If nothing changed, you see that too.

    Both reports, side by side

What it looks like from the inside

This is the account.

Not a rendering of one. These are the screens a client opens, in the order a round moves through them.

Steps 01 → 02The auditEvery finding names the values it rests on and the section of the Act behind it. That specificity is what separates a dispute from a blanket claim.
The credit report audit screen. Each flagged item states the problem in a sentence, lists the reported values it is based on, and cites the statute it rests on.
Steps 03 → 04The roundThe certified tracking number, the delivery date, the name of whoever signed for it — and under them, the letter exactly as it was signed.
A dispute round screen. A delivery block shows the certified mail tracking number, the delivery date, who signed for it and the date an answer is due, followed by the three disputed items and the start of the signed letter.
Steps 04 → 05The clockEvery round, who it went to, and the day the answer is due. One delivered and running, one in the post, one still a draft.
The disputes list showing three rounds: one delivered with the thirty-day clock running and an answer-due date, one in the post, and one still a draft.

Product screens, filled with sample data. No client file appears on this page.

The artifact

This is what a round produces.

A return receipt. Signed by the person at the bureau who took delivery, dated the day it landed. It is the reason the deadline is a fact instead of a claim.

Press and hold the card to sign it.

  • 01 The letter, as you signed it
  • 02 The certified tracking number
  • 03 The receipt, signed and dated
  • 04 Both versions of the report

If you have paid for this before, you have heard the opposite

What we will not tell you.

We do not promise deletions

Nobody can. A bureau decides what it removes. What we can do is make sure the dispute was specific, delivered, and answered inside the statutory window, and show you the evidence either way.

We do not dispute everything

Blanket claims across a whole file are the pattern that draws enforcement, and bureaus screen for it.

We do not charge you for postage you have not used

The subscription is a flat monthly fee for the platform. Certified mail is billed per piece, when the piece is actually sent — never in advance. You get three business days to cancel after signing, before anything goes out.

We do not write your letters for you

The letter is yours, in your name, over your signature. We assist with drafting and supply the citations.

Three products, priced and contracted separately

Three doors, and they stay separate.

Not a bundle and not one journey. Keeping them apart is a legal boundary, not a layout choice.

Credit repair

Disputes run on the record, with certified delivery and a tracked statutory clock.

Flat monthly subscription

Business credit

Building credit under the business, separate from anything personal.

Billed per assessment package

Credit monitoring

Watching the file for changes. A convenience on top of your free annual reports, never a replacement for them.

Billed monthly

The questions people actually ask

Straight answers.

How do I know you did anything?

Every round leaves four artifacts in your account: the letter as it was signed, the certified mail tracking number, the return receipt with the signature and date, and both versions of the report. You can download all of them.

Can you guarantee my score goes up?

No, and anyone who does is telling you something the law does not let them tell you. Accurate current information cannot be removed from a report by anyone.

Why would I pay when disputing is free?

You would not, if what you want is access. The subscription buys the record keeping, the certified delivery, the deadline tracking, and the before and after comparison. You still run your own disputes. If you would rather do the whole thing yourself with a stamp and a spreadsheet, that is a completely reasonable choice.

When am I charged?

The platform subscription is a flat monthly fee, taken when you subscribe and monthly after that until you cancel. Certified mail is separate and is charged per piece when the piece is sent. You have three business days to cancel after signing, before anything goes out.

Are you a law firm?

No. We are not attorneys, we do not give legal advice, and we do not represent you.

One round, then you decide

Start a dispute.

Create your account and we will walk you through pulling your file. Nothing is charged before a round completes, and you have three business days to cancel after signing.

Start a dispute