Financial empowerment. Reimagined.
We Give You Back
What the System Took.
Your rights. Your tools. Your playbook.
Every collection, every error, every late payment being used against you. Resolve gives you the knowledge, the letters, and the legal firepower to fight back. Start with powerful core tools. Get the full insider playbook with Premium.
No credit card required to start.
The only credit app that teaches you what the industry does not want you to know.
How it works
Three steps. No attorney needed.
Upload your credit report
Pull your free report from AnnualCreditReport.com and upload it. Resolve reads it automatically.
AI identifies every violation
Resolve flags outdated items, FCRA violations, and incorrect entries across all three bureaus.
Send dispute letters in minutes
AI drafts the exact letter type each item requires. Track bureau responses with a 30-day countdown clock.
The truth
The credit industry built the game. Resolve teaches you how to win it.
Three things every person with damaged credit deserves to know and almost nobody tells them.
You are checking the wrong score.
Credit Karma shows VantageScore. Your auto lender pulls FICO Auto Score 8. They can differ by 30 to 50 points. Every free app has been showing you the wrong number.
Paying on time is not enough.
Utilization is calculated from your statement closing balance, not your due date. Pay on time but after the statement closes and your high balance is already reported.
You have more rights than you know.
The FCRA, FDCPA, and FACTA give you the legal right to dispute, validate, and fight back. Most of what credit repair companies charge $99 a month for, you can do yourself free today.
See it in action
Everything your credit repair attorney uses. Now in your hands.
Credit Score
Active Disputes
Days to Deadline
Recent Disputes
| Bureau | Item | Status | Timeline |
|---|---|---|---|
| Equifax | Late Payment | Sent | Day 8 of 30 |
| TransUnion | Charge-Off | Draft | Day 1 of 30 |
| Experian | Collection | Responded | Day 28 of 30 |
Membership
Powerful for free. Unstoppable with Premium.
Start with powerful tools at no cost. Premium unlocks the insider strategies no other app teaches.
Always free
Resolve
Free forever. No credit card. No catch.
- Dispute Letter Generator for all 3 bureaus
- Collector Violation Log
- Credit Freeze Manager
- Federal Rights Education Hub
- Dispute Letter Tracker
- Annual Report Scheduler
- Credit Glossary
- Community Wins Board
Resolve Premium
The Insider Playbook
Try free for 21 days, then $9.99 per month. Cancel anytime.
- Score Decoded: FICO Version Decoder, AZEO Optimizer, Middle Score Identifier
- Statement Close Date Optimizer
- 45 Day Rate Shopping Timer
- Goodwill Letter Generator
- Medical Debt Scanner
- AI Credit Audit Report
- Consumer Law Attorney Connect
- Class Action Alert System
- Weekly Progress Digest
- Personal Goal Tracker
Inside Resolve Premium
Strategies the industry keeps to itself.
Score Decoded is the feature no other app has ever built.
FICO Version Decoder
Credit Karma shows VantageScore. Auto lenders use FICO Auto Score 8. Mortgage lenders use FICO 2, 4, or 5. Resolve shows you which score actually matters for your goal.
Score DecodedAZEO Optimizer
Pay every card to $0 except one. On that one card carry 1 to 9% of the limit. Resolve calculates the exact dollar amount for each card. Fastest legal score boost in one billing cycle.
Score DecodedStatement Close Date Optimizer
Your utilization is reported on statement close, not due date. Pay before close and watch the number drop. This single change can move your score 30 to 80 points in one cycle.
Score DecodedMedical Debt Scanner
Since 2023, medical collections under $500 must be removed by law. Resolve finds violations on your report and generates the removal demand letter on the spot.
Score DecodedGoodwill Letter Generator
Disputes fight inaccuracies. Goodwill letters fight accurate late payments. A politely written letter asking for removal as a goodwill gesture works more often than people expect.
PremiumAI Credit Audit Report
A comprehensive AI analysis of your full credit report. Errors, opportunities, disputes to file, and a ranked action plan to maximize your score the fastest way possible.
PremiumCommunity wins
Real people. Real results.
Every win on this board is proof that the system can be challenged and beaten.
+67 pts
Removed two Portfolio Recovery Associates collections using the debt validation letter. Score jumped from 571 to 638 in 45 days.
Marcus T. in Atlanta, GA
$0 removed
Medical collection under $500 was still showing. Used the Medical Debt Scanner and sent the removal demand. Gone in 3 weeks.
Priya K. in Houston, TX
+44 pts
Learned about statement close dates from Score Decoded. Paid cards before closing. Score moved 44 points in one billing cycle.
James R. in Chicago, IL
Approved
Used the Pre-qualification Estimator to find lenders that work with my score. Got approved for a car loan at 7.9% APR.
Danielle M. in Phoenix, AZ
Your credit score is not
your final answer.
Start with core tools. Upgrade when you are ready. Cancel anytime. Whatever the system put on your report, Resolve gives you the tools to respond.
Start for freeCore tools included at no cost. Premium starts at $9.99 per month after a 21 day trial.