Frequently Asked Questions

ScoreWipe is a document generation and credit report management platform. It uses AI to help you generate dispute letters based on your rights under the Fair Credit Reporting Act (FCRA), track your disputes, and manage your credit report accounts.

No. ScoreWipe is NOT a credit repair organization as defined under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679. We are a self-help software tool. We do not guarantee the removal of any items from your credit report and we do not provide legal advice.

ScoreWipe uses AI to analyze the account details you provide and generates professionally written dispute letters that cite the specific FCRA sections relevant to your situation. You review and approve every letter before sending it.

Yes. ScoreWipe generates the letters for you, but you are responsible for printing, signing, and mailing them. We recommend sending all dispute letters via USPS Certified Mail with Return Receipt Requested so you have proof of delivery.

The Fair Credit Reporting Act (15 U.S.C. § 1681) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies (credit bureaus). It gives you specific rights to dispute inaccurate information and hold bureaus accountable.

You can dispute any information on your credit report that you believe is inaccurate, incomplete, or unverifiable. This includes incorrect account balances, accounts that don't belong to you, incorrect payment history, wrong dates, and accounts resulting from identity theft.

Section 609 of the FCRA gives you the right to request disclosure of all information in your consumer file. A 609 letter requests that the credit bureau provide you with verification of the accounts listed on your report, including the original source of the information.

Section 611 of the FCRA requires credit bureaus to investigate disputes within 30 days (or 45 days if you provide additional information during the investigation). If the bureau cannot verify the disputed information, it must be removed from your report.

Section 623 allows you to dispute directly with the data furnisher (the company that reported the information to the credit bureau). After you have first disputed with the bureau, you can send a direct dispute to the furnisher requiring them to investigate.

Section 605B provides protections for identity theft victims. If you are a victim of identity theft, you can request that the credit bureau block the fraudulent information from appearing on your report. You will typically need to provide an identity theft report.

Under FCRA Section 611(a)(1), a credit bureau must complete its investigation within 30 days of receiving your dispute. This can be extended to 45 days if you submit additional relevant information during the investigation period.

If a credit bureau fails to complete its investigation within the required timeframe, it must delete the disputed information from your report. You may also have grounds to file a complaint with the Consumer Financial Protection Bureau (CFPB) or pursue legal remedies.

Yes. The Free plan lets you manage up to 5 accounts and generate up to 3 dispute letters per month. It includes basic letter templates and 609 disclosure requests. No credit card is required to start.

The Pro plan ($24/month) includes unlimited accounts, unlimited dispute letters, AI-powered letter generation, all FCRA dispute types (609, 611, 623, 605B), 30-day deadline tracking, method of verification requests, CFPB complaint drafts, and priority email support.

The Pro+ plan ($34/month) includes everything in Pro, plus advanced AI analysis per account, multi-bureau simultaneous disputes, dispute strategy recommendations, PDF letter export with professional formatting, furnisher direct dispute workflow, escalation path guidance, and dedicated support.

Yes. You can cancel your subscription at any time from your account settings. You will retain access to your plan features until the end of your current billing period. There are no cancellation fees or long-term contracts.

If you are unsatisfied within the first 30 days of a paid subscription, contact us for a full refund. After 30 days, we do not offer partial refunds, but you can cancel at any time to prevent future charges.

No. ScoreWipe does not guarantee the removal of any items from your credit report. Results vary based on individual circumstances, the accuracy of the information you provide, and the responses of credit bureaus and data furnishers. We provide the tools to exercise your rights; the outcomes depend on many factors.

No. ScoreWipe does not provide legal advice. The information and dispute letters generated by our platform are based on publicly available information about the FCRA and are provided as a self-help educational tool. For legal advice specific to your situation, please consult a licensed attorney.

We take data security seriously. Your data is stored securely using Supabase with row-level security policies. Payment processing is handled by Square, which is PCI-DSS compliant. We do not store your credit card information on our servers. See our Privacy Policy for full details.