Credit repair that doesn’t look like the rest.
Credloom pairs airtight compliance with AI-driven dispute automation. Transparent monthly plan, no prohibited upfront fees, and a case file you can hand to a regulator — or a lender.
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Case file · CF-26-04812
- Account
- Midland Funding LLC
- Tradeline
- Collection · $1,742
- Reason
- Inaccurate balance — duplicate of paid tradeline
- Cite
- 15 U.S.C. §1681i
- Response due
- 30 days
Every dispute letter, response, and timestamp is saved to your audit-ready case file.
Why clients trust Credloom
Documents, responsiveness, and a paper trail a regulator can read.
“Intake was structured and the disclosures were transparent from day one. They mapped out every step before sending a single letter.”
General client satisfaction. Past results vary. CROA prohibits promises of specific outcomes.
“Every intake email got a reply within one business day, written by a real human — not pushed through a chatbot.”
General client satisfaction. Past results vary. CROA prohibits promises of specific outcomes.
“Every dispute letter and bureau reply landed in my case file with a timestamp. The paper trail was easy to follow and share.”
General client satisfaction. Past results vary. CROA prohibits promises of specific outcomes.
Step 01 · Intake
We read your three-bureau report and your goal. Intake reply within one business day, no card required.
Step 02 · Disputes
AI-driven letters grounded in FCRA §1681i, each sent and timestamped to your case file.
Step 03 · Tracking
Live bureau status against Equifax, Experian, and TransUnion — 30-day clock enforced.
$0
Upfront fees
30-day
Bureau response window
FCRA
§1681i dispute framework
CROA
Conformed contracts
After signup
What actually happens after you sign up.
A concrete walkthrough of the three steps your case file goes through — what you upload, what goes out, what comes back. No outcome claims, just the paper trail you can read at any time.
- 01
Upload your three-bureau reports through the dashboard.
Day 1 · ~10 minutesDrop your Equifax, Experian, and TransUnion reports into the intake screen. Each file is hashed and timestamped into your case file before anything else happens — the original upload is preserved alongside every subsequent dispute and response.
- 02
Receive category-specific dispute letter drafts.
Days 7–10 · first round of drafts readyWe draft letters grounded in FCRA §1681i across the dispute categories that actually come up on consumer reports — inaccurate balance, duplicate tradeline, unverifiable account, and mixed-file. Each draft is saved to the case file before send, with the legal cite and the evidence pulled from your report attached.
- 03
Track disputes through to resolution.
Per dispute · up to 30 days per bureauLive bureau status against Equifax, Experian, and TransUnion — sent, in review, verified, escalated — with the 30-day FCRA clock enforced on every open item. Bureau replies and next-round dispute letters are archived side-by-side, so the case file always shows the paper trail in full.
How it works
Four steps. A complete paper trail.
From your first report pull to a lender-ready case file, every step is logged, timestamped, and grounded in current FCRA and CROA enforcement guidance.
- 01
Intake
We review your three-bureau reports and your real goal — mortgage, auto, sweep clean — then draft a target list of tradelines. No card required to start the conversation; intake reply within one business day.
- 02
Dispute generation
AI-driven letters grounded in FCRA §1681i — inaccurate balances, duplicate tradelines, unverifiable accounts, mixed-file errors. Every letter is saved to your case file before it leaves the building.
- 03
Bureau tracking
Live status against Equifax, Experian, and TransUnion — sent, in review, verified, removed, escalated. The 30-day clock is enforced; nothing sits in an inbox.
- 04
Results
Score monitoring with explainable deltas, an audit-ready case file you can hand to a lender or regulator, and a written itemized disclosure of what was done and why.
The approach
Two moats. One product. No shortcuts.
The credit repair market has roughly 69,000 operators and almost no differentiation. We compete on the two things that actually hold under enforcement scrutiny and client churn.
Moat 01 · Compliance
Airtight CROA and FCRA discipline
Conformed contracts, disclosures, and refund handling aligned to current FTC and CFPB enforcement priorities.
- No prohibited upfront fees — billing monthly, in arrears only.
- Right-to-cancel notice and itemized disclosures on every agreement.
- Refund handling that survives an enforcement sweep.
- Audit-ready case files: every dispute letter, response, and timestamp.
Moat 02 · Automation
AI-driven dispute automation
Generates and routes accurate disputes that compress cycle time without sloppiness.
- Auto-generated dispute letters grounded in bureau-side grammar.
- Real-time bureau tracking against Equifax, Experian, and TransUnion.
- Score monitoring with explainable deltas — not a vanity number.
- Personalized recommendations across revolving debt, collections, and reporting errors.
Who it’s for
Profiles other operators avoid.
First-time homebuyers
A clear path from denied mortgage to cleared tradelines before closing.
New Americans
Establish a U.S. credit history without inheriting someone else’s mistakes.
Post-bankruptcy
Re-enter the credit system on your own schedule, with reporting errors scrubbed first.
Gig and thin-file workers
Build profile depth when steady W-2 history is missing from the bureaus’ view.
Plans
Three tiers. No upfront fees.
CROA forbids upfront fees for credit repair services, and so do we. Pick the tier that fits the scope of your case. Every plan is billed monthly, after each month of service, cancellable in writing at any time.
Essentials · Restoration · Partner+
Compare the three tiers side by side on the pricing page — bureau coverage, dispute volume, SLA, score monitoring, and white-label access — then pick the one that fits your case.
Not ready to sign up?
Get a free credit-report review first.
Send us a short note about what you want us to look at, plus a PDF if you have one. We reply within one business day. No card, no signup, no obligation.
- Free
- No card required
- Review reply in one business day
Or email credloom-2@polsia.app — same response window.
Compliance, end to end
Built so you grow without becoming the next enforcement headline.
Every contract, disclosure, and refund path is conformed to current FTC and CFPB enforcement priorities.
- No upfront fees
- Written right-to-cancel
- Itemized disclosure of services
- Truth-in-lending where applicable
- Refund handling on cancellation
- Case-file retention ≥ 5 years
For partners
Refer credit-challenged clients to a CROA-conformed partner.
Mortgage brokers, real-estate agents, and housing counselors can pass clients who aren't mortgage-ready yet to a defensible credit-repair resource — without becoming a reseller or taking on the dispute work.
See the referral programLooking for the full white-label partner program with branded portal? See /partners/white-label.
FAQ
Straight answers, no boilerplate.
Still have a question? Send it to credloom-2@polsia.app or see the full FAQ.
Start your file
Send a sentence. Get an intake reply within one business day.
We respond personally — no chatbot, no high-pressure sales, no card-required signup.
Or email credloom-2@polsia.app — intake reply within one business day.