Credit dispute software

The bureaus have a system. Now you have one too.

DisputeEra runs your entire credit dispute operation — letters, rounds, deadlines, escalations, all the way to arbitration — whether you're fixing your own report or running an agency.

30-day bureau deadlines tracked automatically· FCRA & FDCPA built in· Arbitration-ready

For individuals

Fix your own credit like a professional.

  • Guided dispute letters, round by round
  • Automatic 30-day bureau deadline tracking
  • Violation detection on your own report
  • Escalation paths — CFPB and arbitration — when bureaus don't comply

For agencies

Run your entire credit repair business in one platform.

  • Client CRM and white-label portal
  • Automated letter generation and mail-run rounds
  • Team task dispatch across agents
  • Billing with payment alerts
  • Email & SMS campaigns
  • Arbitration case management

Everything the operation needs, in one place

From the first factual dispute to a formal arbitration demand — the whole workflow is built in.

Flagship differentiator

The only platform that goes all the way to arbitration.

When the bureaus keep verifying instead of correcting, most tools stop. DisputeEra keeps going — log the FCRA/FDCPA violations, calculate the statutory-damages exposure, and auto-draft an intent-to-arbitrate demand. Then manage the case to resolution.

  • Document willful vs. negligent violations
  • Statutory-damages math (1681n / 1681o / 1692k)
  • AI-drafted demand letters, AAA / JAMS ready
  • Full case tracking to settlement
Arbitration case
Demand sent
RespondentExperian
ForumAAA
Documented violations4
Damages exposure$3,400
“This is a formal demand and notice of intent to arbitrate through the AAA regarding Experian's repeated failure to correct verified inaccuracies…”

Dispute engine

The full methodology encoded — rounds 1 through 12, the right statute cited every round, escalating automatically from factual dispute to litigation-ready.

Metro 2 scanner

Scans every imported report for compliance violations — duplicate tradelines, balance errors, cross-bureau inconsistencies — and turns each into a one-click dispute letter.

Deadline automation

Every round's 30-day bureau window is tracked to the day. When a bureau goes silent, the platform flags it and prepares the next escalation for you.

Client portal

You (or your clients) watch progress live — score movement, wins as items delete, e-sign the agreement, and upload bureau letters anytime.

Give yourself the system the bureaus already have.

Start free. Fix your own credit or run your whole agency — everything from Round 1 to arbitration.