Scoreguard.aiBETA
256-bit Encrypted  ·  Never Stored
1
Upload Report
2
AI Generating All Letters
3
All Letters Ready
Automated Credit Dispute Engine

Upload Once.
Dispute Everything.
Automatically.

Scoreguard.ai analyzes your credit report and auto-generates dispute letters for all 3 bureaus and every negative creditor — simultaneously in seconds. Zero manual selection. Zero missed items.

Credit Analysis Ready
568
FAIR
8
Neg. Items
11
Letters
Portfolio Recovery
COLLECTION
Chase Auto Finance
CHARGE-OFF
Synchrony Bank
LATE ×3
LVNV Funding LLC
COLLECTION
Upload your credit report
Drop your credit report here
Supports PDF, JPG, PNG  ·  AnnualCreditReport.com, myFICO, or any bureau download
PDFJPGPNGTIFF
📄
—
✓
⚠ Please upload a valid credit report (PDF, JPG, or PNG).
Auto-disputes sent to all 3 bureaus
Equifax
P.O. Box 740256 · Atlanta, GA 30374-0256
AUTO
Experian
P.O. Box 4500 · Allen, TX 75013
AUTO
TransUnion
P.O. Box 2000 · Chester, PA 19016-2000
AUTO
Plus letters to every creditor found
AI identifies every negative account and drafts a tailored letter — choose from:
  • 📋 Debt Validation — demand proof the debt is valid
  • 🤝 Goodwill Removal — request courtesy deletion
  • 💰 Pay-for-Delete — negotiate removal for payment
  • 🛑 Cease & Desist — stop all collection contact
  • ⚖ Factual Dispute — correct specific inaccuracies
Instant Analysis
AI reads your full report and classifies every negative item by type and FCRA violation in seconds
Full Letter Suite
3 bureau letters + one per creditor generated simultaneously — all ready in one pass
Legally Precise
FCRA §611 §623 §605 · FDCPA §1692g §1692c · Metro 2 standards cited exactly in every letter
Private & Secure
256-bit encrypted. Your report is never stored — processed in memory and discarded immediately
🔍
Analyzing Your Report
Reading credit report file…
Generating all letters simultaneously…
Your Dispute Letters
Review · fill highlighted fields · print & mail via USPS Certified Mail
3
Bureau
0
Creditor
0
Items
🏛 Bureau Letters3
🏢 Creditor Letters0
Select a letter
—
📋
⬇
🖨
📬 Send Certified Mail To
Letter Strategy — click to switch
Select a letter from the sidebar to preview
⚠ Fill in all [highlighted bracketed fields] before sending. For informational purposes only — consult a licensed credit attorney for complex cases. Always send via USPS Certified Mail with Return Receipt Requested.
✓Done!