Stop guessing what's on your credit report.
Dispute what's inaccurate — yourself.
CreditVector reads all three bureau reports, flags inaccuracies, drafts FCRA-grounded dispute letters, and tracks every dispute — one platform for consumers and the agencies that serve them.
We promise the process, never the outcome.
Free plan includes full report analysis and 3 dispute letters a month. Cancel anytime.
“I read credit reports so you don't have to. Every recommendation comes with its receipt — the rule it fired on and, where the law applies, the statute.”
CreditVector is an educational tool, not a credit-repair organization, and does not provide legal advice. We help you exercise rights you already have under the Fair Credit Reporting Act. No outcome is guaranteed.
From upload to mailed dispute in four steps
You have the right to dispute inaccurate information yourself — for free. We make exercising it easier.
Upload your reports
Pull your free reports from AnnualCreditReport.com. Kai reads all three bureaus in seconds.
See what can be disputed
Potential inaccuracies, inconsistencies, and unverifiable items are flagged and explained across Equifax, Experian, and TransUnion.
Generate dispute letters
Professional, FCRA-grounded letters drafted for you. Review, refine with Kai, print, and mail them yourself.
Track every dispute
Follow each dispute through the bureaus' response windows and watch your progress in one dashboard.
Four engines working your reports
Each module is grounded in the Fair Credit Reporting Act and built to keep you in control.
See every account across all three bureaus at once
Kai reads Equifax, Experian, and TransUnion side by side, surfacing the dates, balances, and statuses that don't match — the inconsistencies a manual read misses.
- Spot cross-bureau discrepancies in minutes
- Plain-English explanation of each item
- Unverifiable and outdated items flagged
FCRA-grounded letters, drafted and compliance-checked
Every letter cites your actual rights under the Fair Credit Reporting Act and is run through a compliance check before you ever see it — no deletion myths, no false promises.
- Cites the specific rights that apply
- Compliance-scrubbed automatically
- Edit, refine with Kai, print, and mail
Drafted by Kai, grounded in your rights — you review, print, and mail it.
Reads each bureau response and plans your next move
When a bureau responds, the engine reads the outcome, scores what actually happened, and suggests the most appropriate next round — so you're never guessing what to do next.
- Outcome detection from raw responses
- Suggested next-round strategy
- Response-window deadlines tracked automatically
When bureaus stall, escalate with regulator-grade framing
If a reinvestigation goes nowhere, CreditVector helps you escalate through the proper channels — Consumer Financial Protection Bureau complaints and state Attorney General pathways.
- Structured CFPB complaint drafting
- State Attorney General pathway
- Every step documented in your timeline
- Dispute filed with bureau
- Reinvestigation window (30 days)
- CFPB complaint drafted
- State Attorney General pathway
More of the platform is rolling out
CreditVector is built as a suite — here's what's next.
Optimization playbooks to build positive history, lower utilization, and strengthen your profile.
A marketplace that matches you to personal and business funding options.
Establish and grow business credit separate from your personal file.
Run your whole client roster from one workspace
The same intelligence consumers use, scaled for the teams that serve them — a dedicated, isolated workspace for every client.
Open any client and the whole platform operates inside their file — reports, letters, and tracking, isolated and secure.
Every client's stage, open disputes, and next action in one view, so nothing falls through the cracks.
Bureau response windows are tracked per client, surfacing who needs a next round and when.
Your Credit Intelligence Officer, across every client
Kai works every CreditVector file. On Agency plans, Kai extends across your whole roster and joins your team in the Operator Network — ready with dispute strategy, FCRA rights, and the strongest next move on any client. Grounded in the law and reviewed for compliance.
- Strategy on demand for any client — collections, charge-offs, reinvestigations, escalations
- Grounded in the FCRA/FDCPA and reviewed for CROA compliance
- Part of CreditVector — extended across your whole client roster on Agency plans, no add-ons
Learn from people working on the same thing
The Operator Network — included with every paid plan — is where members compare notes on what's working: dispute strategy, bureau timelines, and hard-won lessons, with Kai, your Credit Intelligence Officer, in the room to keep answers grounded in the FCRA.
- Ask questions and compare notes with other members
- Kai's answers are grounded in the FCRA and reviewed for compliance
- A searchable knowledge base your team can build on
Operator Network posts are members' own opinions — not CreditVector or legal advice, and no outcome is guaranteed. Only Kai's answers are reviewed for compliance.
Start free. Upgrade when you're ready.
From a single report to running your own practice — there's a plan for where you are.
Free
- Full report analysis
- Cross-bureau inaccuracy review
- 3 dispute letters / month
Professional
- Unlimited dispute letters
- Letter refinement
- Dispute strategist
- 90-day progress tracking
Agency
- Everything in Professional
- A workspace per client
- Roster KPIs + follow-up clock
- Up to 15 active client workspaces
Need only a few more letters? Buy a one-time 5-letter pack for $19.
Questions, answered plainly
Will this remove negative items or raise my score?
No one can legally promise that, and we never will. CreditVector helps you find and dispute information you believe is inaccurate — the bureaus decide each outcome, and accurate items can't be removed by disputing them.
Is CreditVector a credit-repair company?
No. CreditVector is software plus education. You review and mail your own letters and stay in control the whole way. We don't act on your behalf or charge for results.
How is my credit data protected?
Uploaded reports and documents are encrypted at rest with AES-256 and are only ever served back to you over an authenticated, access-checked connection — never a public link.
Do I need all three bureau reports?
No — you can start with one. CreditVector works with whatever you upload, and cross-bureau comparison gets stronger as you add Equifax, Experian, and TransUnion.
Can I cancel anytime?
Yes. There are no contracts. Cancel from your billing settings and access continues to the end of your billing period.
What does it cost?
The Free plan (Explorer) includes full report analysis and 3 dispute letters a month. Professional is $99/month for unlimited letters and Kai's full dispute intelligence. Agency plans start at $399/month. More plans are on the roadmap — see the pricing page.
Your credit report. Your rights. Your move.
Create a free account and see what's on your reports in minutes — no card required.
We promise the process, never the outcome.
Create your free account