Analyze credit reports, create compliant dispute strategies, generate dispute letters, send disputes, track rounds, and manage clients — all from one intelligent platform.
128
Active Clients
1,402
Letters Mailed
376
Items Deleted
Dispute rounds by bureau
Recent activity
Letter approved · Round 2 · Experian
Bureau response uploaded · Equifax
New client added · J. Martinez
Are you a credit repair business, or an individual looking to fix your credit?
Manage clients, run AI credit analysis, generate FCRA-cited dispute letters, automate mailing & tracking, and keep full compliance — all from one dashboard.
Create an account, tell us about your credit situation, and get connected with a credit repair professional to start your journey to better credit.
Most credit repair software forces agencies to jump between credit report software, letter generators, CRMs, mailing services, spreadsheets and reminders. how2credit combines every workflow into one AI-powered system.
Import Experian, Equifax & TransUnion reports. AI flags negative accounts, collections, late payments and potential inaccuracies for human review.
Select verified dispute issues and let AI draft compliant correspondence based on the facts you provide — never fabricated.
Professional dispute letters auto-populated with client, bureau and account details. Preview, edit, approve, download and send.
Approve a letter and send it to an integrated print-and-mail provider with tracking and delivery confirmation.
Every dispute round is preserved in a permanent timeline — accounts, letters, mail and outcomes, never overwritten.
Active clients, disputes generated, letters mailed, bureau results, deletions and updates — all in one view.
A clean, connected workflow from client intake to results — and the next round.
Add Client
Import Credit Report
AI Reviews Report
Select Verified Dispute Issues
Generate Correspondence
Approve Letters
Mail Disputes
Track Delivery
Upload Results
Continue Next Round
The Compliance Center covers operational support related to CROA, FCRA and Metro 2 — including disclosure templates, contract templates, cancellation-period workflow support, consent records and full audit logs.
This software does not provide legal advice. Agencies are responsible for reviewing their own federal and state compliance obligations.
Disclosure templates
CROA / FCRA / Metro 2
Cancellation-period support
Consent & audit logs
Choose the plan that fits your journey — from credit rehab to owning your own business.
Professional credit rehabilitation for individuals.
Ongoing credit wellness with education, tools, and support.
Lease and operate your own credit repair business.
Own and white-label your own credit repair company.
Whether you run a credit repair agency or want to fix your own credit, how2credit has a path for you.