CREDIT REPORTING
Bureau Disputes
FCRA §1681i / §1681e(b)
Credit Smack — the free dispute engine for credit-repair operators
Drafted from the report you upload.
Reads the tradelines, picks the violations, cites the statutes, writes the letters. You sign off before any of it gets mailed.
By the numbers.
0
bureaus + CRAs
0
federal statutes
0
case-law citations
0
avg draft time
Every statute that matters.
Tap any area to read the law behind it — the engine drafts to all of it.
DEBT COLLECTION
Debt Validation
FDCPA §1692g
FORMAT
Metro 2® Compliance
CRRG / e-OSCAR
MORTGAGE
RESPA QWR / NOE
12 U.S.C. §2605
CREDIT CARDS
Billing Error
FCBA / TILA §1666
BANKING
EFT Error
EFTA §1693f
TELECOM
TCPA Demand
47 U.S.C. §227
LENDING
ECOA / Adverse Action
15 U.S.C. §1691
UNFAIR PRACTICES
UDAAP Complaint
Dodd-Frank §5531
INSOLVENCY
Bankruptcy Discharge
11 U.S.C. §524
PRE-LITIGATION
Arbitration Demand
FAA / clause-sourced
SPECIALTY
122 CRA Disputes
tenant · employment · medical
What's in the box.
Core 13-piece package on every upload: a cover sheet plus four letter rounds — Consumer-Law, Factual Dispute, Metro 2®, Litigation Notice — across Equifax, Experian, and TransUnion. Conditional add-ons trigger from the report: ChexSystems & Early Warning deposit-CRA disputes when a banking item is flagged, OCC complaints when a national-bank furnisher is named, §524 bankruptcy discharge letters when a BK is on file, RESPA QWR for mortgage servicers, arbitration demands when a clause exists. Review every word before mailing.
DISPUTE PACKAGE0 / 12 READY
Consumer-Law dispute · §1681iidle
Factual dispute · §1681s-2idle
Metro 2® correction · CRRGidle
Debt validation · §1692gidle
Inquiry deletion · §1681bidle
Litigation notice · §1681nidle
ACDV / AUD · e-OSCAR formsidle
Deposit-CRA dispute · ChexSystems / Early Warningidle
OCC complaint · national-bank furnishersidle
Bankruptcy discharge · 11 U.S.C. §524idle
RESPA QWR · 12 U.S.C. §2605idle
Arbitration demand · FAA §4idle
Anatomy of
a letter.
LAYER 01 · CITATION
The exact statute and subsection invoked — never a vague “consumer protection law” wrapper a defendant can ignore.
LAYER 02 · IDENTITY
Account number, date of first delinquency, reported balance, and the specific field being challenged — not a blanket attack on the whole tradeline.
LAYER 03 · DEMAND
A 30-day reinvestigation request under §1681i(a)(1), a preservation-of-records hold, and a written response addressed back to the operator.
LAYER 04 · PAPER TRAIL
Certified-mail tracking number, send date, expected response window, and a copy of the letter — all logged for the file if a 1681n / 1681o claim follows.
How the package
stays defensible.
REGULATOR ROUTING
Each furnisher is routed to the agency that actually has jurisdiction — OCC for national banks, FDIC for state banks, NCUA for credit unions, CFPB for nonbanks. A misrouted complaint dies on intake; the engine looks the charter up before it picks the recipient.
IDENTITY HANDLING
SSN, driver's license, and FTC identity-theft affidavits attach only to bureau letters — never to a furnisher or collector. Sending consumer ID to a third party is itself an FCRA / Gramm-Leach-Bliley exposure.
PRIVACY
Reports are parsed in the operator's own server session and dropped at end-of-request. Nothing is retained — no database row, no log line containing the report — once the package is built.
CONSUMER VOICE
Any personal statement the consumer writes is included verbatim in every letter — their first-person account on the record alongside the statutory claims, not buried under operator-drafted boilerplate.
Education sold separately.
The tools below all ship free. The education is the strategy that uses them — when to escalate, what to never put in writing, how to run 50+ files without compliance risk. One-time enrollment. No subscription.
Foundations
$1,995 one-time
Master the core engine.
- 3-bureau dispute packages
- Consumer-Law, Factual, Metro 2®, Litigation
- ACDV / AUD e-OSCAR forms
- Report parsing + inquiry deletion
- Letter strategy by account type
Operator Program
$4,995 one-time
The full module stack.
- Everything in Foundations
- Arbitration demand engine
- Bankruptcy package + court motions
- Deposit-CRA disputes (ChexSystems / EWS)
- OCC & regulator-routed complaints
- Multi-round case tracking
Mentorship
$9,995 one-time
Scale + white-label.
- Everything in Operator
- 122 specialty-CRA disputes
- White-label delivery for your clients
- Furnisher directory + volume workflows
- 1:1 mentorship to scale your book