The DIY credit-repair platform that puts the arsenal in your hands. The software generates your FCRA dispute letters, maps your bureau roadmap, and tells you the exact move and date — you send the disputes and command the campaign.
A disciplined, repeatable campaign you command yourself — not magic-word template letters. The software does the analysis and drafting; you review, approve, and send. Every move is grounded in your legal rights under the FCRA.
You import all three bureau reports (Equifax, Experian, TransUnion) and the platform builds a battle map of every negative item — flagging inaccuracies, cross-bureau conflicts, and obsolete data automatically.
The engine maps each item to the exact legal hook — §611 reinvestigation, §623 furnisher duty, §605 time limits, or a Metro-2 field error — and hands you a sequenced roadmap of the highest-odds disputes to fire first.
The platform generates your documented letters for the bureaus and furnishers — you review and send them. On a "verified" result it drafts your Method-of-Verification demand and your CFPB complaint when warranted.
You track results round by round in your dashboard, get alerted to illegal reinsertion, re-generate letters with new angles when needed, and follow the timing engine's guidance on utilization and on-time history that moves the score fastest.
Every legitimate tool the law gives a consumer — built into the software, generated on demand, and fired by you with a full paper trail.
Import all three reports and the platform lines them up side by side — surfacing the conflicting balances, dates, and statuses that are inaccurate by definition and disputable under the FCRA.
Generate formal §611 reinvestigation letters to Equifax, Experian, and TransUnion in seconds. You send them; the bureau has 30 days to verify, correct, or delete — anything it can't verify must come off.
Generate direct-to-furnisher §623 letters that put the company that reported the item on its own legal clock under Regulation V — and preserve the record that matters if it ever escalates.
The engine spots charge-offs and collections older than 7 years, or re-aged with a false date of first delinquency, and drafts the §605 time-limit challenge for you to send.
When a collector reports a debt, generate your FDCPA §809 validation demand — forcing proof of ownership, the amount, and the original creditor before it stands.
For paid accounts with isolated late marks, spin up a human, one-page goodwill request to the original creditor asking for a courtesy adjustment — personalized to your account.
Flag hard inquiries you didn't authorize and generate the challenge to remove them. Unauthorized pulls are a violation — authorized ones stay, and the platform helps you tell the difference.
Stonewalled? The platform maps your escalation to the CFPB (15-day response) and generates disputes for the secondary agencies — LexisNexis, Innovis, SageStream — that most people never touch.
The differentiator most tools don't have: the engine tells you exactly which card to pay, how much, and on what date — timing your balances to hit before each statement closes so your utilization reports low. This moves the score fastest, and it's yours on every membership.
Before we ever touch your credit, we hunt the cash you’re already losing. Upload your recent statements and the platform scans for forgotten subscriptions, duplicate charges, junk fees and silent rate creep — then drafts the cancellation and billing-inquiry letters for you to review, edit and send yourself. Free. Refunds and savings aren’t guaranteed.
Redact account numbers and sensitive info before uploading — you decide exactly what you share.
Potential duplicate charges, recurring subscriptions, fees and rate changes — each with a plain-English explanation for you to verify.
Draft cancellation requests and billing inquiries, ready for you to review and send. You send them — we never contact companies or handle your money.
Recovered your cash? That’s your on-ramp to the credit mission — the next step we run with you.
Start My Free Money Leak AuditEducational self-help tool. Not credit repair. Reviewing your own bills and sending your own letters is consumer self-help — no outcome is guaranteed.
Your free tier — no card, no obligation. The platform reads your utilization and score and shows you the single biggest fast win on your file, so you can see what the software does before you ever upgrade. (Competitors make you pay just to look.)
Encrypted. No card required. No obligation.
Drag your score. Watch what the same loans cost at your number versus excellent credit — every month, and over the life of the loan.
Illustrative estimate only. APRs are representative national averages by score band and are not an offer of credit or a quote; your actual rates depend on lender, term, and full profile. Figures update as you move the slider.
The fastest way to lose points isn't a mistake — it's paying on the wrong day. Balances get reported when your statement closes, not when it's due. Guardian watches every close date and tells you when to pay.
Save each card's statement-closing date and limit, and we ping you a few days before every close to pay down — so your balances report low and your utilization stays in the safe zone. Update your cards anytime in the dashboard. Reminders only — you make the payments.
A straightforward software membership. Start free, upgrade when you're ready — billed monthly for platform access, cancel anytime, no long-term contract.
Sample scenarios showing how the process can play out. Every credit file is different — results vary and are never guaranteed.
"The platform flagged two charge-offs re-aged with the wrong delinquency date, generated the letters, and I sent them myself. Both came off after the reinvestigation — and I finally understood what I was even disputing."
"A discharged account was still showing a balance. That one field being wrong was the whole dispute. The software built the paper trail and told me the exact move — I stayed in command and fired each letter myself."
"Half my gains came from the timing engine — it told me which card to pay and the exact date to hit before the statement closed, so my utilization reported low. The platform was honest that disputes alone wouldn't do it."
* Illustrative examples for demonstration only — not actual clients and not a promise of results. No one can legally remove accurate, current, and timely information from a credit report.
A live look at your member console — track your scores, the disputes you've deployed, and your timing-engine moves in one tactical view.
Straight, accurate intel. The whole credit-repair internet oversells — here's the ground truth, so you can hold anyone (including us) to it.
No — and anyone who does is breaking the law. No company can legally remove accurate, current, and timely negative information. What the platform does is help you challenge items that are inaccurate, unverifiable, re-aged, or past the reporting time limit — it generates the letters, you send them, and the bureaus and furnishers must do a real investigation. Results vary by file.
Yes — and that's exactly the model. You have the right to dispute directly with the bureaus and furnishers at no charge, and with Credit Command you are the one sending every dispute. The software just gives you the strategy, the FCRA-ready letters, the bureau roadmap, and the pay-date timing engine so you're not guessing. You stay in command; the platform is the arsenal.
FCRA §609 is a disclosure right — it lets you see what's in your file and where it came from. It has zero deletion power. The viral claim that "no original contract means they must delete the debt" is a myth; no FCRA section requires production of an original contract to keep an accurate item. We use §609 as reconnaissance to feed real §611 and §623 disputes.
Each dispute round runs on the 30-day reinvestigation clock, so most campaigns unfold over several months of sequenced rounds. The fastest score movement usually comes from the fundamentals in parallel — lowering utilization and keeping everything current — which can move the number in 30–60 days.
It's a software membership. The Free Look tier is $0 and never asks for a card. Paid plans start at $49.99/mo, billed monthly for access to the platform, with a card on file at signup. You can cancel anytime — there's no long-term contract and no penalty.
No. Credit Command is a software and educational platform. We do not perform credit-repair services on your behalf — the platform generates your dispute letters and roadmap, and you review and send your own disputes. We are not a law firm and do not provide legal advice, and we are not a credit-counseling agency. On willful FCRA violations we can refer you to a consumer-rights attorney (many work on contingency, where the violator pays the fees).
Start with a free look. See exactly what's challengeable on your file — then grab the software and command the campaign yourself.
Mission logged. Your free-tier account is where you'll see your score read and biggest fast win — then upgrade to unlock the letter generators and timing engine. (Demo — no data was actually sent.)
