First home
Maya R.
Mortgage pre-approval
4 letters
A 2019 collection kept showing up every time the lender refreshed her file.
Her report became 4 dispute letters with dates, account names, and FCRA language.
30-day bureau clock started
Your plan
Drafts ready
3 bureaus
Letters ready
3
TransUnion
2 itemsExperian
1 itemEquifax
3 itemsBad credit costs you $847 every month.
The mortgage. The car. The apartment. Fix your credit in 10 minutes and stop getting denied.
Bad credit costs you $847 every month.
The mortgage. The car. The apartment. Fix your credit in 10 minutes and stop getting denied.
Your plan
Drafts ready
Letters ready
3
10 min start
TransUnion
Letter draft ready
Round 1
2 items
Experian
Letter draft ready
Round 1
1 item
Equifax
Letter draft ready
Round 1
3 items
3 items
removed on average
+87
point score increase
4 months
to full results
47,892
disputes filed
31,204
negative items removed
$10,164/yr
saved in lower rates
How it works
10 minutes. That's it.
Step 01
Upload your report
Drop your PDF. Every negative item gets flagged in 60 seconds.
Step 02
Get your dispute letters
Personalized letters for each bureau. Legal citations included. Ready to send.
Step 03
Send. Wait 30 days. Repeat.
Bureaus must respond or remove it. Items still there? New angle. New letters.
Why it works
If they can't prove it, they remove it.
FCRA Section 611.
Bureaus have 30 days to verify every item you dispute. 40-60% of collections get removed because collectors never respond.
Every round gets smarter.
Items removed after Round 1? Done. Items still there? New dispute angle. New letters. Different legal citation. Keep going until it's clean.
Why do it yourself
Agencies profit when you stay broken.
Credit repair agency
- Lock you into monthly contracts
- Drag it out because they bill by the month
- Send the same templated letters you can send yourself
- You wait on them. They wait on you paying.
Wipe
- No contracts. Cancel anytime.
- Letters ready in 10 minutes, not 10 business days
- Same legal citations. Same dispute process. You do it yourself.
- You're in control the entire time
Story examples
The denial gets personal.
A collection, a late payment, one bad rate. The fix starts when the report turns into letters.
What it feels like
The report follows you.
Lenders see the collection. Landlords see the late payment. Dealers see the score. Wipe turns that file into the first set of letters to review and send.
60 sec
report scan
30 days
bureau response
3 bureaus
letter paths
New lease
Andre T.
Apartment approval
$1,800
The leasing office wanted a bigger deposit because of an old utility collection.
One upload showed the item, the bureau, and the exact dispute angle to send.
Lease file cleaned up
Car loan
Sonia K.
Lower APR
18% APR
A dealer quoted 18% after one late payment dragged her score below the line.
Wipe separated the late payment from the rest of the file and drafted the challenge.
Reapply after the bureau response
Start now
Every month you wait costs you money.
Upload your report. Get your dispute letters. Send them. 10 minutes today, results in 30 days.
Fix my creditFAQ
Common questions
What does Wipe actually do?+
You upload your credit report. Wipe finds every negative item, builds personalized dispute letters with legal citations, and gives you the letters to send. Bureaus have 30 days to prove the item is accurate or remove it.
Is disputing even legal?+
100%. The Fair Credit Reporting Act (FCRA Section 611) gives you the right to dispute any item on your credit report. Bureaus must investigate within 30 days or remove it. This is federal law, not a loophole.
How is this different from a credit repair agency?+
Agencies charge hundreds per month to send templated letters on your behalf. Same letters. Same process. Wipe gives you the same dispute power for a fraction of the cost, and you stay in control the whole time.
Does this actually work?+
40-60% of collections get removed in Round 1 because collectors never respond to verification requests. Most users see items removed within 30 days.
How long until my score changes?+
Bureaus have 30 days to respond to each dispute round. Most users see items removed after Round 1. Full results typically take 3-6 months depending on how many items are on your report.
What types of things can be disputed?+
Collections, late payments, charge-offs, hard inquiries, and public records. If something is inaccurate, unverifiable, or outdated, it can be disputed. Even legitimate items can be challenged with goodwill letters or cross-bureau inconsistencies. If three bureaus report different balances for the same account, none of them can verify it's accurate.
What do I need to get started?+
Your credit report PDF from annualcreditreport.com (free) and 10 minutes. That's it.
Do I need to know anything about credit repair?+
No. Wipe picks the dispute strategy, writes the letters, and cites the correct laws. You review, print, and mail.
Is my data safe?+
Privacy is everything. Government ID and proof of address are encrypted at the app level. Only the last 4 digits of your SSN are stored. Your data is never shared, never sold, and never used to train any models. Only you can access your information. Period.
What if the items don't get removed?+
Round 2 letters go out with a different dispute angle, different legal citation, and a new strategy. Every round escalates until the item is resolved.
Can disputing hurt my credit score?+
No. Disputing items on your credit report does not lower your score. If an item gets removed, your score goes up. If it stays, nothing changes.
Do I have to mail the letters myself?+
For now, yes. You download the PDFs and send them via certified mail. Step-by-step instructions are included. Automated mailing is coming soon.