They put it on your report. Make them prove it.
Collections, late payments, accounts you don't recognize — answer a few questions and get a properly drafted letter citing the exact federal law, with instructions on where to mail it and what happens next. The letters credit repair companies charge $99/month to send. Yours in 5 minutes.
ONE-TIME PAYMENT · NO SUBSCRIPTION · 7-DAY MONEY-BACK GUARANTEE
ILLUSTRATION. BUREAUS MUST DELETE WHAT THEY CANNOT VERIFY WITHIN ~30 DAYS (15 U.S.C. §1681i). ACCURATE, VERIFIED INFORMATION STAYS — ANYONE WHO PROMISES OTHERWISE IS LYING TO YOU.
Bad credit follows you everywhere.
It doesn't have to.
Calls at work, letters from companies you've never heard of, for debts you're not even sure are yours.
Or the car loan, or the credit card — because of a report full of stuff from years ago when things got hard.
A layoff, a medical bill, a divorce. You got back on your feet, but the late payments didn't get the memo.
Credit repair companies charging you every month to mail letters — letters you're legally allowed to send yourself.
Here's what they don't tell you: federal law is already on your side. The bureaus have 30 days to prove it or remove it. You just need the right letter.
Three steps. No lawyer.
No monthly fees.
Answer a few questions
Tell us what's on your report — a collection, a late payment, an account you don't recognize. Plain-English questions, no legal knowledge needed. About 5 minutes.
Get your letter + instructions
Our AI drafts your letter inside a locked legal structure citing the exact statute — FCRA §611 FDCPA §809 — personalized with your details. Print-ready PDF plus a one-page guide.
Mail it certified. Clock starts.
Certified mail with return receipt (~$9 at the post office). The 30-day investigation clock starts when they sign. Log the result and we'll hand you the exact next letter if they push back.
Every situation on your report,
covered in writing.
Each letter follows a locked legal structure reviewed against the FCRA and FDCPA — personalized to your facts, never a copy-paste template the bureaus can flag.
What this can do — and
what it honestly can't.
Anyone promising to "delete anything" is lying to you, and you've probably met a few of them online. Here's the truth, because you deserve to make this decision with real information.
✓ Established — letters CAN
- Force bureaus to investigate and delete anything they can't verify as accurate — usually within 30 days
- Make collectors prove a debt is real and theirs to collect before you pay
- Remove items too old to legally report (7 years for most; 10 for Chapter 7)
- Block accounts opened by identity thieves within four business days
- Get accurate late payments removed as a goodwill gesture — no guarantee, but it works more often than you'd think with a good history
- Negotiate pay-for-delete settlements with collectors, in writing
✕ Denied — no letter can
- Remove accurate, verifiable information just because you dispute it
- "Delete" federal student loans with chain-of-custody tricks — that's misinformation, no matter how many views the video has
- Guarantee a specific credit score increase
- Erase a debt you legitimately owe (though you can settle it on your terms)
- Work overnight — each round takes about 30–45 days, because that's the legal timeline
Pricing
Everything you need to own your report.
FORM OYR-39TODAY $39ONE-TIME · LESS THAN HALF OF ONE MONTH
WITH A CREDIT REPAIR COMPANY
🔒 Secure checkout · Instant access by email · 7-day money-back guarantee if you've generated fewer than 3 letters
Straight answers,
no fine-print games.
Q.01Is this a credit repair company?
No — and that's the point. OwnYourReport is do-it-yourself software. You answer guided questions, we draft the letter citing the right federal law, and you print, sign, and mail it. We never contact the bureaus for you, never log into your accounts, and never charge monthly fees. You stay in control of every step, and everything you send has your name on it — because you sent it.
Q.02Do credit dispute letters actually work?
Yes — for inaccurate, unverifiable, or outdated information. Under the FCRA (15 U.S.C. §1681i), bureaus generally have 30 days to investigate your dispute and must delete or correct anything they can't verify as accurate. That's not a loophole; it's the law working as designed.
Disputes don't remove accurate information. For accurate items, the honest tools are goodwill letters and pay-for-delete negotiation — both included.
Q.03Can't I just do this for free myself?
Yes, you can — you have the legal right to dispute errors for free by writing to the bureaus directly, and we'll never pretend otherwise. What you're paying for is the drafting: correctly structured letters that cite the right statutes (so they aren't dismissed as frivolous templates), the verified mailing addresses, the deadline tracking, and the exact follow-up sequence when a bureau says "verified" and most people give up. $39 once, versus $99+ every month for someone to do the same thing behind a curtain.
Q.04How do I get a collection off my credit report?
Start with a debt validation letter (FDCPA §1692g) making the collector prove the debt and their right to collect it. If they can't validate, we route you to a bureau dispute citing the failed validation. If the debt is valid and you want it gone, a pay-for-delete letter offers settlement in exchange for deletion — always confirmed in writing before you pay a dollar. The software walks you through the whole sequence.
Q.05Is this one of those "609 letter" kits?
No, and here's some free honesty: the famous "609 letter" is internet slang. Section 609 of the FCRA covers your right to request information — it isn't the dispute mechanism. Real disputes run under Section 611. Our letters cite the correct sections for each situation, which is exactly why they get taken seriously.
Q.06Can late payments be removed?
If a late payment is reported inaccurately — wrong date, wrong account, you actually paid on time — dispute it. If it's accurate, a goodwill letter asks the creditor to remove it as a courtesy. No one can guarantee a goodwill removal, but they succeed regularly when you have an otherwise solid history and a real reason for the slip. And every late payment ages off automatically after 7 years — we calculate those dates for you.
Q.07How long does this take?
Bureaus generally have 30 days from receiving your dispute. We recommend certified mail with return receipt so you know exactly when the clock started, and your dashboard tracks the deadline. Most people see first results in 30–45 days per round. Anyone promising overnight results is selling you something that isn't real.
Q.08Is my information safe?
We collect only what the letters need — name, address, and the last four digits of account numbers. Your data is encrypted, never sold, and you can request deletion anytime. We never ask for your credit card logins or bureau passwords, and we never pull your credit.
Q.09What's the refund policy?
7 days, no questions asked, as long as you've generated fewer than 3 letters. Email support and it's done.
Your report. Your rights.
Your letters.
Five minutes from now you could be holding the exact letter the law says they have to answer.
OWN YOUR REPORT — $39