Your AI reads the report,
writes the letters,
mails them.
No credit card required. Cancel anytime.
3 Bureaus
Equifax, Experian, TransUnion
100% FCRA
Compliant dispute letters
White-Label
Your brand, your client relationship
Step 01 — AI Analysis
Your AI reads all three bureau reports at once.
Upload one report or all three — ClearClaim's AI scans every tradeline, public record, and inquiry across Equifax, Experian, and TransUnion. It identifies every disputable item, categorizes the violation type, and maps the right FCRA statute automatically.
- Reads all three bureau formats
Equifax, Experian, and TransUnion — parsed and cross-referenced in seconds.
- FCRA violation detection
Inaccuracies, unverifiable accounts, duplicate entries — all flagged with the applicable law.
- Plain-English summary
Clients see what's wrong and why — no legal jargon, no confusion.
AI Analysis Complete
John D. — 3 Bureau Report
Capital One — Late Payment
Equifax, Experian — Reported 90 days late, dispute: unverifiable
Midland Funding — Collection
TransUnion — Statute of limitations expired, FCRA § 605(a)
Chase — Balance Discrepancy
Equifax — Reported balance differs across bureaus by $420
3 items identified · 2 bureaus affected
Credit Dispute Letter
Re: Inaccurate Account — Capital One
To Whom It May Concern,
Pursuant to the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq., I am writing to dispute the following information appearing on my credit report. The item described below is inaccurate and unverifiable:
Creditor: Capital One Bank
Account #: ****4821 · Dispute: Unverifiable late payment — 90 days
Under FCRA § 611, you are required to conduct a reasonable investigation within 30 days of receiving this letter...
AI-generated · FCRA-compliant · Certified mail queued
Step 02 — Letter Generation
The right FCRA letter, written at every dispute stage.
ClearClaim writes dispute letters that reference the correct statute, escalate appropriately through each stage — initial dispute, investigation follow-up, method of verification — and cite the violation precisely. No generic templates.
§ 609
Request for method of verification
§ 611
Dispute of inaccurate information
§ 623
Furnisher accuracy responsibilities
§ 605
Obsolete information removal
Step 03 — Mail & Track
Certified mail sent. Every deadline tracked.
ClearClaim mails every dispute letter certified — creating the paper trail the bureaus and furnishers are legally required to respond to. FCRA deadlines (30/45 days) are automatically tracked for every open dispute so nothing slips.
Letter sent — certified mail
USPS tracking number captured. Delivery confirmed.
Bureau 30-day response window
FCRA § 611 requires a response within 30 days of receipt.
Auto-escalation if no response
AI drafts the follow-up and method-of-verification letter automatically.
Item removed or corrected
ClearClaim logs the outcome and updates the client dashboard.
Deadline Tracker
Active disputes — 4 open
Capital One · Equifax
Sent Jan 12 via certified mail
3 days left
Midland Funding · TransUnion
Sent Jan 15 via certified mail
11 days left
Chase Bank · Experian
Sent Jan 18 via certified mail
22 days left
Wells Fargo · Equifax
✓ Removed — Jan 10
Why ClearClaim
Built for the way disputes actually work.
Other tools give you templates. ClearClaim gives you an AI that knows the FCRA.
Pricing
Simple pricing. No dispute left untracked.
Whether you are fixing your own credit or running a repair business with 20 clients, ClearClaim has a plan that fits.
Consumer
Fix your own credit at your own pace.
- AI report analysis — all 3 bureaus
- Up to 10 dispute letters/month
- Certified mail, handled for you
- FCRA deadline tracking
- White-label CRM
- Client portal
14 days free. No credit card required.
Business
For credit repair professionals with up to 20 clients.
- Everything in Consumer
- Up to 20 clients
- Unlimited dispute letters
- White-label client portal
- Your brand on every letter
- Priority AI processing
14 days free. No credit card required.
Agency
Scale your credit repair operation without limits.
- Everything in Business
- Unlimited clients
- Team member seats (up to 5)
- Custom domain for client portal
- API access
- Dedicated account manager
14 days free. No credit card required.
All plans include FCRA-compliant letters, certified mail handling, and deadline tracking. Downgrade or cancel anytime.
Start today
Clear credit starts with
one upload.
Upload a report and ClearClaim reads it, writes the letters, mails them certified, and tracks every FCRA deadline — under your brand or your own name.
14 days free. No credit card. Cancel anytime.