Fix My Reports: Fix your credit reports yourself, the law is on your side

**Fix My Reports — detailed description** **What it is.** Fix My Reports (fixmyreports.com) is a self-service credit report dispute platform. It helps U.S. consumers find inaccurate, outdated, or unverifiable items on their Experian, Equifax, and TransUnion credit reports and challenge them *themselves*, exercising their rights under the Fair Credit Reporting Act. The structural principle — and the compliance moat — is that the platform never acts on the customer's behalf: it analyzes, prepares, and guides, but the customer reviews, signs, and mails every dispute letter personally. This DIY design deliberately positions the business outside traditional credit-repair regulation (CROA) and is the framing used consistently across the product, legal agreements, and merchant underwriting. **Who it's for.** Consumers with damaged or error-laden credit files — collections they don't recognize, late payments reported wrongly, duplicate accounts, unauthorized hard inquiries, identity-theft artifacts, out-of-date derogatory items — who want lender-grade results without paying an agency $150+/month indefinitely or signing contracts. **The customer journey.** 1. **Sign up** — email confirmation, then a 5-step onboarding wizard: personal info → payment ($1 verification, card saved for the subscription) → e-signed legal agreements (CROA disclosure, DIY service agreement, etc., rendered to signed PDFs) → ID documents upload (for bureau verification enclosures) → connect credit report. 2. **Report pull** — the customer links their monitoring account; the platform pulls their 3-bureau report automatically through the API (soft pull, no score impact). Every negative item is extracted and categorized: tradelines, collections, charge-offs, inquiries, public records, plus a Personal Info tab for name/address/employment mismatches. 3. **Analysis** — an auto-generated plain-English credit analysis after each pull: per-bureau scores and trend, revolving utilization, the ~14 most damaging accounts, statute-of-limitations flags, payment-history and credit-mix commentary, and prioritized next steps. Regenerated on every 45-day re-pull. 4. **Disputes** — the customer selects items to challenge; the system generates item-specific, FCRA-cited letters (§611 investigations, §623 furnisher duties, §605 obsolescence) referencing exact account numbers and dates — deliberately not template spam, which bureaus may dismiss as frivolous. The customer reviews, can edit, prints (single, merged PDF, or zip), and mails them. 5. **Tracking** — a dispute tracker follows each item through Letter Sent → Bureau Reviewing (30-day statutory clock) → Response Received → Resolved, with drafts/awaiting-mailing/under-review/resolved counts. Round 2+ escalation letters (method-of-verification, furnisher-direct) generate when items come back verified. 6. **The loop** — every 45 days the report re-pulls automatically, removals are reconciled, the analysis refreshes, and the next dispute round begins. Lifecycle emails run throughout: day-7 updates, day-21 response-due notices, unmailed-letter reminders, analysis-ready notifications, payment receipts and dunning. **Client portal features.** Dashboard with 3-bureau score tiles and 6-month trend, dispute workspace, reports viewer, letters library, credit analysis, Credit Builder (partner tradelines), Budgeting and Banking sections (MyMoneyMyBudget and Relay-related referrals), referral program with tracked links, ID documents vault, account/billing self-service (update card, pause, downgrade, cancel — no phone tree), and guided walkthroughs. Public site includes the landing page with an interactive score-impact calculator, blog, and a "Credit 101" education library. **Admin/agency side.** Client roster with statuses, assignments and roles (agency admin/staff), per-client dispute and letter management, report upload/parse fallback (PDF), test-charge tools, template management, referral oversight, blog CMS, and diagnostic panels for the credit-data integrations.