Legal disclaimer
Not legal advice
Credit Master is educational self-help software. It is not a law firm, not an attorney, and not a credit repair organization performing services on your behalf. Nothing in the app — including AI findings, statutory citations and generated letters — is legal advice or a legal opinion about your situation. For advice about your circumstances, talk to a consumer protection attorney or a nonprofit credit counselor.
What this tool does
- Reads the report you upload and organizes what it finds.
- Flags information that may be inaccurate, duplicated, or obsolete.
- Drafts dispute letters for you to review, sign and mail yourself.
- Tracks your deadlines and the outcome you record.
What it does not do
- It does not contact the bureaus, furnishers, FTC or CFPB for you.
- It does not log into any credit bureau on your behalf, ever.
- It cannot remove accurate, current, verifiable information from your report.
- It does not guarantee any deletion, correction or score increase.
AI output can be wrong
Extraction and error detection are automated and imperfect. Balances, dates and statuses can be misread, and a flagged item may turn out to be accurate. That is why nothing becomes a dispute until you confirm it, and why extracted accounts are editable. Disputing information you know to be accurate can be treated as a false statement — review every item before you send it.
Your rights under the FCRA
15 U.S.C. § 1681i
If you dispute an item, the bureau must reinvestigate — usually within 30 days — and delete or correct information it cannot verify.
15 U.S.C. § 1681e(b)
Bureaus must follow reasonable procedures to ensure maximum possible accuracy of what they report about you.
15 U.S.C. § 1681c
Most negative information must drop off after seven years; most bankruptcies after ten.
15 U.S.C. § 1681j
You are entitled to free copies of your file from each nationwide bureau.
15 U.S.C. § 1681s-2(b)
The company that furnished the information must investigate it too, not just the bureau.
15 U.S.C. § 1681b
Only parties with a permissible purpose may pull your report — unauthorized inquiries are disputable.
You can file a complaint about a bureau or furnisher directly with the Consumer Financial Protection Bureau at consumerfinance.gov, or report identity theft at identitytheft.gov. Both are free government services.