You just got denied. Here's exactly what to do next.
Most people who get denied for housing, a car, or a credit card do nothing — because they don't know where to start. Answer 6 questions and get a personalized 30 and 90-day recovery plan with ready-to-send dispute letters.
6 quick questions · No account required · Cancel anytime
Three steps between where you are and where you want to be
From denied to a plan in under 2 minutes.
Tell us what happened
Answer 6 questions about your situation — what you were denied for, your score range, collections, utilization, and state. Takes 90 seconds. No account required to start.
Get your personalized battle plan
Claude AI (built by Anthropic) builds your exact 30-day and 90-day roadmap — not generic tips, but specific actions in the right order for your credit profile. This is what a $300/hr credit attorney would tell you.
Send your own letters — keep all the power
We generate FCRA § 611 compliant dispute letters addressed to each bureau. You print, sign, and send them yourself — legally stronger than a credit repair company, and $140/month cheaper.
Credit repair companies charge $149/month to do something you have the legal right to do yourself — for $9.
The letters are identical. The process is the same. The only difference is who gets $140 of your money every month.
Credit Repair Company $79–$149/mo | FinanceWrite $9/mo | |
|---|---|---|
| FCRA dispute letters generated | ✓ | ✓ |
| Personalized 30 & 90-day action plan | ✗ | ✓ |
| You control the entire process | ✗ | ✓ |
| Goodwill letters | ✗ | ✓ |
| FDCPA debt validation letters | ✗ | ✓ |
| Dispute tracker with follow-up dates | ✗ | ✓ |
| No long-term contract | ✗ | ✓ |
| 30-day money-back guarantee | ✗ | ✓ |
No credit card required · 30-day money-back guarantee
Real people. Real score improvements.
No guarantees — but these are the kinds of results that happen when you dispute correctly.
"Got denied for an apartment because a collections account was showing up. Had a dispute letter ready in 90 seconds, certified-mailed it that Friday. Six weeks later the collections account was removed and my score jumped 67 points. Applied for the same complex and got approved the same day."
"I was paying $99/month for credit repair for 7 months — $693 total — and my score barely moved. Three letters from FinanceWrite later, two of three disputed items were removed. 62 points in 3 months for $9. I cancelled the $99/month service the same week."
"Denied for a truck loan I needed for work. The 90-day plan broke everything down week by week — specific to my credit report, not generic advice. Disputed two inaccurate late payments, paid down a maxed card. Day 87, score hit 631. Got approved at a better rate than the original offer."
Fix your credit yourself — without paying an agency $149/month
Get the same letters and tools credit agencies use. Start free, upgrade when you're ready to act.
- ✓ Credit profile assessment
- ✓ Priority list of items to dispute
- ✓ Score lift projection
- ✓ Sample dispute letter preview
- ✓ Everything in Credit Checkup
- ✓ Unlimited dispute letters (FCRA § 611)
- ✓ Goodwill + debt validation letters
- ✓ Full 30 & 90-day action calendar
- ✓ Dispute tracker with deadlines
- ✓ PDF export + certified mail checklist
- ✓ Bureau response templates
30-day money-back guarantee · Cancel anytime
- ✓ Everything in Repair
- ✓ Settlement calculator
- ✓ Statute of limitations checker
- ✓ Pay-for-delete letter templates
- ✓ Negotiation scripts with objection handlers
- ✓ Priority AI processing
Every month you wait is another denial.
Negative items don't age off your report faster by ignoring them. FinanceWrite gives you a personalized dispute plan and ready-to-send letters in under 60 seconds — for less than the cost of a Spotify subscription.
Get My Plan Now →Free to start · No credit card required · Cancel anytime
Frequently asked questions
Is this credit repair?
No — and that's actually better for you. Credit repair companies are legally classified as Credit Repair Organizations and are heavily regulated under the CROA. They can't do anything you can't do yourself, and when you send your own dispute letters, the bureaus know a real consumer is behind them. We're software that generates your plan and letters. You stay in control, you keep the power, and you pay $9 instead of $149.
How is this different from a credit repair company?
Credit repair companies charge $79–$149/month, require contracts, and send letters on your behalf. Under the Fair Credit Reporting Act, you have the same legal right to dispute inaccurate items yourself — and disputing them yourself is often more effective. FinanceWrite generates the same letters for $9/month, no contract, and you own every part of the process. The only difference is the $140 monthly fee you're not paying.
Is this legal?
100% legal and explicitly protected by federal law. The Fair Credit Reporting Act (FCRA) gives every American the right to dispute inaccurate, incomplete, or unverifiable information on their credit report. Credit bureaus are legally required to investigate your disputes within 30 days. Our letters cite the exact FCRA statutes — the same language attorneys use.
Will this fix my credit?
We won't lie to you with fake guarantees — no one can promise specific point increases. What we can tell you: if there are inaccurate, incomplete, or unverifiable entries on your report (and most credit reports have at least one), disputing them through the proper FCRA process is your legal right and the most direct path to removing them. If you're not satisfied within 30 days, we'll refund your first month — no questions asked.
6 questions · No account required · 30-day guarantee