Free · No account · Nothing leaves your device

Know your rights.
Defend your data.
Clean your credit.

The credit bureaus count on you not knowing your rights. We'll change that. Everything you need — analysis, letters, action plan — free, private, and in your hands in about 15 minutes.

Reads all three bureaus
22 letter types
FCRA · FDCPA · CFPB
— plans built

Analysis — example report Free

29things worth challenging,
found in 32 accounts

Equifax12

Experian9

TransUnion8

Date of first delinquency differs by bureau§ 1681e(b) · ask for deletion Critical

Monthly payment still reporting on a closed account§ 1681s-2(a)(1)(B) High

4 inquiries with no account behind them§ 1681b(f) · permissible purpose Medium

Highest single card84%

12 letters ready to print · certified-mail addresses filled in

Start here

Watch this first.

Seven minutes on what a credit report actually is, what the bureaus are allowed to do with it, and what this tool is going to do with yours. Free tools are only useful if you know where you are going — this is the map.

Watch first — what this tool does, and how we help.

How this works

Four simple steps.

Every answer you give stays in your browser. Every letter is uniquely written for you. Every step teaches you something the industry would rather you didn't know.

Tell us your situation

Eight quick questions. We'll know what you're facing — collectors, denials, identity theft, or just a cleanup.

Upload what you have

Credit report, collection letter, court papers — we read them in your browser. Nothing uploaded to any server.

Get your full analysis

Every account, every violation, every weak spot the bureaus hope you miss — flagged with the exact law that protects you.

Send your letters

Up to 22 different letters, each written uniquely for you. Mail them yourself via certified mail. You stay in control.

What makes this different

Built on the laws the industry hides.

The e-OSCAR secret

When you file a dispute online, the credit bureau reduces your entire letter to a three-digit code and two lines of explanation before sending it to the creditor. Your evidence, your legal citations, your arguments — gone. We teach you how to bypass that system.

$100 to $1,000 per violation

The FCRA allows statutory damages of $100–$1,000 per willful violation, plus punitive damages, plus attorney fees. Every letter we generate invokes these penalties. Consumer attorneys work on contingency — the bureau pays your legal fees when you win.

Every letter is one of a kind

Bureaus use AI to flag template letters as "frivolous" and dismiss them without investigation. Our letters use combinatorial variation — tens of thousands of unique permutations per letter type. Your letter has never been sent before.

Nothing leaves your browser

Your credit report contains your full SSN, every account number, every address. Other tools upload all of it to their servers. We process everything locally. When you close this tab, every trace is gone.

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What this tool handles

Every situation. One free tool.

Credit disputes

Inaccurate accounts, duplicate tradelines, wrong balances, re-aged debts, old items that should have dropped off.

Collector harassment

Cease & desist + debt validation combo letters. Stop the calls and freeze collection legally at the same time.

Identity theft

Full walkthrough for IdentityTheft.gov + FCRA §605B block letters. We hold your hand through the whole process.

Data breach response

Were you in the Equifax, National Public Data, or AT&T breach? Our database knows. We'll write breach-specific letters.

Military / SCRA

6% interest cap, default judgment protection, credit reporting during deployment.

Bankruptcy aftermath

Discharged debts still reporting? That's an FCRA violation. We'll draft the letter.

Student loans

Federal rehabilitation, private loan validation, default resolution pathways.

Tax debt & IRS

CDP hearings, Currently Not Collectible status, installment agreement requests.

Ready when you are

You've got this.

No phone number to call. No waiting room. No one to convince. Just you, your rights, and a clear roadmap to take back control.

Truly free. No email required. Nothing to cancel.

Step 1 of 4

Upload what you have.

Credit report, collection letter, court summons — as a PDF. A tri-merge report covers all three bureaus at once; if you pulled Equifax, Experian and TransUnion separately, select all of them together and we'll merge them into one picture. Or skip this step and we'll build your plan from the intake.

Working with an advisor? If someone has given you a monthly Action Plan — the one with your score tiles, balance targets and "keep this account open" notes — add it here too. We will read it and make sure the letters we write do not undo the plan you are already following. It is optional, and nothing about it leaves your computer either.

Drop your file here or click to browse

PDF only. One tri-merge report, or pick all three single-bureau PDFs at once — we'll combine them.

Nothing leaves your browser.

Upload both formats if you can — they show different things

Neither report is simply better. They carry different data, and we use whatever we are given.

A tri-merge report shows

Where the bureaus contradict each other — one reporting an account as paid as agreed while another reports it late or in collection. That is the hardest kind of dispute to refuse, and a single-bureau pull can never reveal it.
Which bureaus carry each account, so you know who to write to.

A single-bureau report shows

The month-by-month payment grid — the only place the dates of your delinquencies survive. It is how we work out when each negative item falls off your report, and whether a date has been re-aged.
The scoring model's own reason codes, in its order, with its figures.
Which accounts are authorized-user accounts, which decides whether an unfamiliar address is worth disputing.

One report still produces a full plan. Two produce a better one. You can add more later — nothing is stored either way.

Full transparency

Disclosures & rights.

What we are (and are not)

Making Good Choices is a free, self-guided educational tool. We are not a credit repair organization, law firm, collection agency, or financial advisor. We do not represent you, file documents on your behalf, or provide legal advice. Every letter we generate is meant for you to review, modify if needed, sign, and send yourself.

You can do all of this yourself — for free

Every right and every process available through this tool is available to you directly at no cost. The credit bureaus, the CFPB, the FTC, and consumer advocacy organizations all provide free information and free dispute processes. We are simply making it easier to navigate and keeping you informed of tactics and timelines the industry tends to obscure.

No guarantees

We do not guarantee any specific outcome. We do not guarantee score increases, account deletions, or any particular response from a credit bureau, creditor, or collector. Results depend entirely on the specifics of your situation, the accuracy of information on your report, and how the other parties respond. Disputing accurate information in bad faith is a violation of federal law.

Affiliate disclosure (FTC 16 CFR Part 255)

We include an affiliate link to SmartCredit, a credit monitoring service. If you sign up through that link, we receive a small commission at no extra cost to you. We disclose this clearly wherever the link appears. You are not required to use that service — the free federally authorized option at AnnualCreditReport.com provides all three credit bureau reports every week at no cost. We recommend starting there.

Privacy

This tool processes everything in your browser. We do not upload your credit report, your identity documents, or any other information to any server. We do not store data between visits. We do not use analytics or trackers. When you close this tab, nothing persists.

Laws referenced

This tool cites and relies on: the Fair Credit Reporting Act (FCRA, 15 U.S.C. §1681 et seq.), the Fair Debt Collection Practices Act (FDCPA, 15 U.S.C. §1692 et seq.), the Credit Repair Organizations Act (CROA, 15 U.S.C. §1679 et seq.), the Servicemembers Civil Relief Act (SCRA, 50 U.S.C. §3901 et seq.), and applicable state consumer protection statutes for CA, TX, FL, NY, IL, PA, OH, GA, NC, and MI. Where we cite a statute, the citation is accurate to the best of our research as of the date the content was written.

When to see an attorney

If you have been sued, are facing wage garnishment, have been personally served court papers, are dealing with complex bankruptcy issues, or are a victim of identity theft requiring a police report, you should consult a licensed attorney. The National Association of Consumer Advocates maintains a directory of attorneys who handle consumer protection cases on contingency — meaning you pay nothing out of pocket and the violating party pays your attorney's fees if you win.

Identity theft warning

Identity theft is a federal crime. Falsely claiming identity theft in order to remove accurate information from a credit report is also a federal crime, punishable by up to five years in prison under 18 U.S.C. §1028. The identity theft affidavit required for a §605B block is signed under penalty of perjury. Proceed with honesty.