GEMINI API KEY REQUIRED
To use the AI analysis features, please provide a Google Gemini API Key. Keys are stored safely in your browser's local storage and never leave your device.
Gemini API Key
You can get a free API key at aistudio.google.com.
VERITAS CREDIT REPAIR AI
FCRA · FDCPA · CFPB · ALL LEGAL LEVERAGE · POWERED BY GEMINI
EQ ○
EX ○
TU ○
Items Found
0
Letters Made
0
Active
0
Resolved
0
EQUIFAX
Not analyzed
EXPERIAN
Not analyzed
TRANSUNION
Not analyzed
KEY LEGAL LEVERS — ALWAYS ACTIVE
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§611 30-Day Deletion Trap — Bureau fails to investigate within 30 days of certified mail receipt = item MUST delete. Track every return receipt date.
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§605 DOFD Controls the Clock — 7-yr limit runs from Date of First Delinquency. NOT charge-off date, NOT sale date. Re-aging is its own FCRA violation.
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FDCPA §809 Validation Halt — Collectors must CEASE ALL activity including CRA reporting until debt fully validated. $1,000/violation.
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The 1-2 Punch — Dispute with bureau → furnisher "verifies" without real investigation → directly dispute furnisher under §623(b) for failure to investigate.
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CFPB Complaint Acceleration — File at consumerfinance.gov simultaneously with every dispute. Regulatory pressure dramatically speeds resolution.
HOW TO USE THIS TOOL
- Go to REPORTS → fill in your info → select bureau → paste report text → Analyze
- Or go to ADD ITEM to manually enter a negative item
- Click Generate Letter → on any disputable item
- Go to DISPUTES → copy letters → send via certified mail w/ return receipt
- Update dispute status as responses arrive — track the 30-day clock
- Go to REBUILD for personalized AI score-building strategy
- Go to INTEL for AI-powered current law updates
CREDITOR MAILING ADDRESS DATABASE
This database automatically learns creditor mailing addresses from AI analysis. You can also manually add or update addresses here to be used in future dispute letters.
YOUR INFO — USED IN ALL DISPUTE LETTERS
Full Name
Street Address
City
State
ZIP
Phone
Date of Birth
Last 4 SSN (optional)
PASTE EQUIFAX REPORT TEXT BELOW
Use this tab to add items you identified yourself without AI analysis — useful when the report text won't paste cleanly.
MANUALLY ADD A NEGATIVE ITEM
Bureau
Creditor / Collection Agency
Account # (last 4 OK)
Amount
Date Reported
Date of First Delinquency
Item Type
Severity
Dispute Reason (describe why it's wrong or challengeable)
Recommended Strategy
UTILIZATION CALCULATOR — TARGET ≤10% FOR MAX SCORE
Total Balance ($)
Total Credit Limit ($)
Utilization
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QUICK SCORE FACTORS (FICO)
Payment History35%
Amounts Owed (Utilization)30%
Length of Credit History15%
Credit Mix10%
New Credit (Inquiries)10%
Gemini will search its training knowledge for current FCRA/FDCPA/CFPB intelligence. For verified live results, also check: consumerfinance.gov, ftc.gov, and nclc.org.
⚡ ACTIVE LEGAL LOOPHOLE LIBRARY — 12 STRATEGIES▼
⚠ After the SOL expires, collectors CANNOT sue you — but you MUST raise the defense in court. Paying, making a partial payment, or acknowledging the debt in writing can RESTART the clock in many states. NEVER acknowledge or pay a time-barred debt without legal advice.
STATUTE OF LIMITATIONS — ALL 50 STATES (Written Contracts / Credit Cards)
FCRA REPORTING LIMITS
7 years— Most negative items (from DOFD): late payments, collections, charge-offs, repossessions, foreclosures, Chapter 13 bankruptcy
10 years— Chapter 7 bankruptcy
7 years— Paid tax liens (from date paid)
2 years— Hard inquiries (must auto-delete)
Indefinite— Credit applications >$150k, life insurance >$150k, employment >$75k/yr (no limit by FCRA)