Credit680
How it works

It is not six steps. It is a cycle you re-run.

A dispute is rarely one round. Credit680 re-scans monthly so you can see what changed and decide whether to go again.

Start your free analysis
1 · Create your account 2 · Bring your report import or upload 3 · Read the analysis free, no card 4 · Choose your items 5 · Generate and send your signature 6 · Track the response 30-day window Re-scan monthlysee what changed, decide whether to go again
The six steps, in detail

Every screen you will see, before you sign up.

No demo to book, no call to sit through. This is the product.

  1. 27accounts parsed
    screens 1–2
  2. 4flagged
    screen 3 — free
  3. 2selected
    screen 4 — by you
  4. 1letter
    screen 5 — by you
  5. you send30 days
    screen 6 — the bureau investigates
Figures come from one sample report, to show the shape of the funnel. Yours will differ, and no number here is a prediction.
  1. Create accountContinueNo card. No bureau login.
    1Create your account

    You decide what to share, and you can delete it later.

  2. Bring in your report
    Drop your report PDF
    orAuthorise a permissioned import
    2Bring in your report

    We never ask for your bureau login and never scrape.

  3. Analysis · free
    Collection · $890Flag
    Reported by 2 of 3 bureaus
    Late · 2019Flag
    Outside the reporting window
    3Review the analysis — free

    No card required to see this. Nothing is sent yet.

  4. Choose your items
    Collection · $890
    Late · 2019
    Auto loan
    2 of 4 selected — nothing is selected for you
    4Choose your items

    The dispute is yours. You decide what goes in it.

  5. Your letter · draft
    Your signature
    EditPrint & send
    5Generate and send your letters

    Your letter, your signature, your envelope.

  6. Tracking
    Sentday 0
    Awaiting responseday 12
    Window closesday 30
    6Track responses and follow up

    You keep the record of every dispute you filed.

Illustrative screens, not live data.

Where we stop, on purpose

Four things this product will not do for you.

Every one of them is something the category does. Each is a line we drew, not a feature we have not built yet.

  • Dispute on your behalf

    Instead: you choose the items, you read the letter, and you send it. We are never your agent.

  • Promise a score or a timeline

    Instead: we show you what is flagged and why. The bureaus decide the outcome, not us.

  • Remove accurate information

    Instead: accurate, timely items stay. Disputes are for what is wrong, unverifiable or expired.

  • Ask for your bureau logins

    Instead: a permissioned import you authorise, or the free copy you upload yourself.

You can dispute items yourself, free, by contacting the credit bureaus and your creditors directly. Read the full disclosures

The law, not a promise

Once you send it, a clock starts.

The Fair Credit Reporting Act gives the bureau a window to investigate. Credit680 tracks it so you know when to follow up.

  1. Day 0You send the letter
  2. In progressThe bureau investigates
  3. Day 30Investigation generally due
  4. +5 daysThey write to you

Credit680 counts these days for you

General timeframes under the Fair Credit Reporting Act. They can differ — for example if you send more information mid-investigation, or a bureau treats a dispute as frivolous. This is not legal advice, and Credit680 is not a law firm.

Nothing left to find out

Start with the part that costs nothing.

Start your free analysisNo card required
  1. 1 · Create
  2. 2 · Import
  3. 3 · Analysis
  4. 4 · Choose
  5. 5 · Letter
  6. 6 · Track

You have already seen all six screens on this page. Signing up shows you the same thing with your own report in it.

You can dispute items yourself for free by contacting the credit bureaus and your creditors directly. Credit680 is software you operate, and it does not promise any result.