$89–$149/month
Average cost of a traditional credit dispute service. Most of it is markup on paperwork.
The credit bureaus don't work for you. They never did.
They're paid by lenders, not consumers. When they get your data wrong, and the FTC says they do for 1 in 5 Americans, you're the one who pays for it. Higher rates. Denied loans. Doors that never open. Resolve gives you the tools to fight back, legally and permanently.
Bank-level encryptionFCRA-compliantCancel anytime
Resolve Coach
Focus on payment history first.
Experian
612
Equifax
589
TransUnion
634
Payment History
87%
Negative Items
14
Credit Age
3 yrs
THREE BUREAUS · One command center · Clear actions and legal timelines
Free tool · No signup
Generate your first dispute letter. Free. Right now.
No account needed. No credit card. Just your information and a real letter.
Your report. A clearer next move.
Upload your credit report. We'll tell you what's wrong.
Free. No account needed. We analyze it in seconds and show you exactly what to dispute.
The old way
The credit industry is broken.
Most services charge $100+/month to send the same template letters you could write yourself. They hide behind confusing portals and vague progress updates. Meanwhile, your score stays stuck.
No transparency
You don't see what letters were sent, to which bureaus, or what the response was.
Zero legal tools
They don't explain your FCRA rights, statute of limitations, or debt validation options.
Resolve was built to fix all of this.
Dispute like a lawyer
Generate legally precise dispute letters in seconds.
Resolve drafts FCRA-compliant dispute letters for every negative item on your report, personalized to the account, bureau, and violation. Certified mail tracking included.
- Customized per account and bureau
- FCRA clock starts automatically on mail date
- Escalation letters when bureaus ignore you
Dispute workspace
National Recovery Group
1
Select account
2
Choose letter
3
Review
Know exactly where you stand
Three bureaus. One command center.
Your Equifax, Experian, and TransUnion files side by side: scores, factors, negative items, and legal timelines, updated every time you pull a report.
- Score gauges for all 3 bureaus
- Factor tiles showing what is hurting you most
- Drop-off dates so you know when bad items expire
Resolve Coach
Focus on payment history first.
Experian
612
Equifax
589
TransUnion
634
Payment History
87%
Negative Items
14
Credit Age
3 yrs
Legal tools included
The tools credit attorneys use. At 1% of the cost.
Resolve includes a Statute of Limitations checker, Debt Validation letters, Pay-for-Delete generators, and a Federal Protection guide.
- Identify debts that may be time-barred from legal action, meaning a creditor may no longer be able to sue you to collect, though collection attempts may still occur.
- Force collectors to prove what they claim
- Challenge accounts that cannot prove ownership
SOL Checker
Legal workflow ready
Debt Validation
Legal workflow ready
Pay-for-Delete
Legal workflow ready
Chain of Custody
Legal workflow ready
Credit intelligence
Every factor. Explained. Actionable.
Resolve breaks your credit score into the 6 factors that matter most and tells you exactly what to do about each one.
High impact
Credit Utilization
34%
Pay revolving balances below 30%.
High impact
Payment History
87%
Protect every upcoming due date.
High impact
Negative Items
14
Review the highest-impact item first.
High impact
Credit Age
3 yrs
Keep older accounts open when practical.
High impact
Total Accounts
9
Maintain a healthy, manageable mix.
High impact
Recent Inquiries
2
Space out new credit applications.
Simple setup
Up and running in minutes.
Step 1
Import your credit report
Pull your free report from AnnualCreditReport.com and upload it. Resolve reads it automatically.
Step 2
See your full picture
Scores, negative items, factor breakdown, and legal timelines appear in one place.
Step 3
Take action
Generate letters, track responses, use legal tools, and track every change to your credit score.
Member outcomes
Real members. Real results.
I had 11 collections on my report. Resolve helped me dispute 8 of them. Six came back deleted. I went from a 520 to a 641 in under 6 months.
★★★★★
Danielle R.+121 pts
Illustrative example. Not a guaranteed outcome.
I was paying $120/month to a credit dispute company that barely communicated with me. Resolve costs $20 and I can see exactly what's happening at all times.
★★★★★
Marcus T.+89 pts
Illustrative example. Not a guaranteed outcome.
The SOL checker alone was worth it. I had a debt collector calling me about a 9-year-old debt. Resolve showed me it was past the statute of limitations in my state.
★★★★★
Kevin P.Debt legally unenforceable
Individual results vary. Member stories are illustrative and do not guarantee outcomes.
The wins board
Happening right now.
Real Resolve members. Real outcomes. Updated as they happen.
Loading outcomes...
Shared voluntarily and anonymously. Member outcomes are self-reported. Starter examples are labeled and are not member results. Individual results vary.
Simple pricing
Your credit. Your habits. Your next chapter.
Start with full access to Resolve, or let us handle everything for you.
Self-Serve plans include a 60-day free trial. No credit card required to get started.
Save $60/year
Self-Serve
$19.99/mo
$179/ year
That's $14.92/month
Cancel anytime. No contracts.
- Unlimited dispute letter generation
- All 3 bureau tracking
- Score gauges and factor breakdown
- SOL Checker, Debt Validation, and Pay-for-Delete tools
- Resolve Vault document storage
- Resolve Coach guidance
- Weekly progress digest
- FCRA rights education
- Attorney Connect triage
- Cancel anytime
60-day free trial, then $179 per year.
Done-For-You
$49.99/ month
Sit back. We handle the mailing.
- Everything in Self-Serve
- We physically mail your dispute letters via certified mail
- 30-day case tracking that starts on delivery confirmation
- Letters to all 3 bureaus, each approved by you with one tap
- Missed-deadline alerts with a prefilled CFPB complaint you file yourself
- Certified mail tracking number in your dashboard
Billed only after your first letter mails. 3 business day cancellation right.
Waypoint Ventures
The Waypoint Bundle
One account. Three platforms. One price.
$24.99/ month
or $249 / year
- Full Resolve Credit Command Center
- Build daily discipline with Joshua AI coaching
- Save smarter for every trip with Jara
Questions? Email us at support@resolvecredit.io
Full Service
We Fight For You.
Track every change to your credit score.
Upgrade to Done For You and Resolve mails certified dispute letters to all three bureaus on your behalf: tracked, documented, and legally timestamped. No printing. No post office. No follow-up. We handle it.
Certified Mail, Handled
We generate, print, and mail your dispute letters via USPS certified mail, with proof of delivery. The bureaus have 30 days to respond from the moment they sign.
Live Tracking
Every letter gets a USPS tracking number. Watch your disputes move from “Sent” to “In Transit” to “Delivered”, right inside your dashboard.
CROA-Protected
Your letters are sent under the full protection of CROA, the federal law governing dispute services. You approve every letter before it goes out. No surprises. Cancel anytime.
Cancel anytime. 3-day right to cancel guaranteed by federal law.
Campus Program
Resolve Credit for Students & Organizations
Free credit education for your campus or community. Colleges and non-profit organizations are both eligible partners.
We also partner with non-profits, veterans orgs, and community development organizations.
Free for every student
No cost to students. Ever.
Branded for your school
Your name, your program, our platform.
Real outcomes
Students leave with a credit score, not just a certificate.
Starting at $1,500/year for your entire campus or organization.
Already a campus member? Sign in above and select "Campus Member" during onboarding.
Your score won't fix itself.
Every month you wait is another month of high interest rates, loan denials, and financial doors staying closed. Resolve gives you what you need to change that, starting today.
Get Started for $19.99/month🔒 Bank-level encryption⚖️ FCRA-compliant✓ Cancel anytime