Credit repair software built by credit repair business owners. Generate dispute letters for your clients across all 3 bureaus, manage your entire roster, and run your whole operation — from people who've actually fixed credit.

Coming Summer 2026

Credit Repair Software That Combines Power with Speed

3,100+ Clients Managed· Metro 2 & FCRA Compliant· AI-Powered Letters

Made by Credit Repair Owners, designed for perfection

— OR —

Get Early Access

"We closed 47% more disputes in our first month using Ultra Dispute compared to our old system. The AI letters alone saved us over 12 hours a week — time we put back into signing new clients."

— Credit Repair Business Owner, Texas

3,100+ Clients Managed
16+ Dispute Rounds
100% FCRA Compliant

Stop Fighting Your Tools. Start Closing Disputes.

Most credit repair businesses lose hours — and clients — to manual work and scattered software. Ultra Dispute fixes the three that hurt most.

⚠️ Drowning in manual dispute letters?
AI writes them for you. Import a credit report and generate Metro 2-compliant, client-specific dispute letters in seconds — across all three bureaus.
⚠️ Losing clients to messy follow-up?
Automation keeps everyone on track. A built-in CRM, automated billing, and client portals handle onboarding, updates, and reminders so nothing slips.
⚠️ Juggling five different apps?
Run everything in one place. Disputes, monitoring, billing, print & mail, e-signatures, and white-label portals — all under your own brand.

How Ultra Dispute Works

From a new client to a finished dispute round in three simple steps — all inside one platform.

1

Import

Pull a full 3-bureau credit report from Experian, Equifax, and TransUnion in under 90 seconds. Ultra Dispute instantly flags negative items and likely FCRA violations.

2

Dispute

AI generates Metro 2-compliant, factual, and consumer-law dispute letters tailored to each account — then prints, mails, and tracks them with certified delivery.

3

Grow

Automated billing, white-label client portals, and a built-in CRM let you onboard, retain, and scale to thousands of clients without adding staff.

✦ Launching Summer 2026

AI dispute letters. Metro 2 compliance.
One platform. Zero chaos.

Built by credit repair business owners who were tired of duct-taping five apps together. Get notified the day we launch.

Get Early Access
Complete Feature Set

The Most Powerful Credit Repair Software
Ever Built for Business Owners

Every tool your competitors offer — reengineered from the ground up. We studied every major credit repair platform and built something better. Here's everything that comes standard.

👥

Client Management & CRM

  • 360° Client Intelligence Dashboard — scores, disputes, billing, messages, documents and alerts unified in a single view
  • Automated Stage Workflows — clients advance through customizable pipeline stages with auto-triggered checklists and campaigns
  • Progress Tracking Bar — visual real-time stage indicator with required actions per stage
  • Joint & Spouse Account Linking — manage household credit repair from one unified record
  • Sticky Notes & Internal Memos — floating notes auto-saved per client, invisible to portal users
  • Complete Activity Audit Trail — every action, edit, message and login timestamped and logged
  • Admin Business Dashboard — real-time KPIs: clients by stage, revenue pipeline, team activity
  • Advanced Sort, Filter & Search — find any client instantly by name, status, score, agent or stage
  • Bird's-Eye Portfolio View — see progress across all clients without opening individual records
  • Reminders, Notes & To-Dos — rich per-client task tracking so nothing slips through
  • Custom Client Tags — label and group clients any way your business needs
  • Dispute & Letter History Log — full timeline of every letter sent, round by round
🎯

Lead Management & Sales Pipeline

  • Leads Intelligence Dashboard — all prospects sorted by status, last contact, agent and conversion stage
  • Lead "Heat" Scoring — assign interest level, auto-trigger campaigns by hotness, track time-to-close
  • One-Click Lead-to-Client Conversion — instant promotion with all history carried over
  • Automated Sales Pipeline — nurture leads on autopilot with multi-step email and SMS sequences
  • Custom Web Forms — unlimited branded lead-capture forms embed anywhere
  • PPD Good Faith Estimate — legally required cost disclosure generated automatically
  • Credit Audit Report — one-click prospect analysis to close deals faster
  • Referral Partner Management — dedicated affiliate tracking, commission reports and partner portal
  • Social Media Lead Integration — Zapier connects Facebook Ads, Instagram, TikTok leads directly to pipeline
  • Lead Intelligence & Credit Signal Alerts — real-time flags on delinquencies, maxed cards, charge-offs, public records before you even call
  • Google Analytics Integration — website performance, traffic source tracking and ROI measurement
💳

Billing, Payments & Invoicing

  • Automated Recurring Billing — schedule charge cycles with auto start/stop dates and no manual intervention
  • Credit Card & ACH Processing — charge stored cards or pull from bank accounts on your schedule
  • Pay-Per-Delete Billing Model — charge clients only when negative items are removed
  • Multiple Cards on File — store backup payment methods, auto-retry failed charges
  • Professional Invoice Generation — branded invoices with one-click email delivery
  • Subscription Management — predefined plans, one-time charges, frequency customization
  • Subscription Saver — automated failed payment recovery workflows
  • Company-Wide Revenue Dashboard — outstanding balances, overdue accounts, monthly revenue at a glance
  • Multiple Payment Processors — NMI, Authorize.net, Stripe, and more — switch without losing data
  • Google Pay & Apple Pay — frictionless one-tap checkout for clients
  • Denefits Financing Integration — offer payment plans to clients who can't pay upfront
  • In-Portal Bill Pay — clients pay invoices directly from their portal without calling you
🗓️

Team Management & Scheduling

  • Role-Based Permissions — granular control over who can view, edit, bill or message each client
  • Agent Assignment — route clients and leads to specific team members automatically or manually
  • Team Productivity Tracking — monitor task completion rates, client load, and performance per agent
  • Unique Phone & Email per Agent — each team member gets their own dedicated number and inbox
  • Task Assignment with Due Dates — assign work with priority, status tracking and overdue alerts
  • Drag-and-Drop Calendar — personal and team schedule management with Outlook-style interface
  • Appointment Booking — branded booking links with multiple calendars, embed on any site
  • Remote & Work-From-Home Ready — fully web-based, access from any browser, anywhere globally
  • Scale Without Hiring — automation handles client communication, billing and updates so your team handles volume without growing headcount
  • Virtual Assistant Training System — onboard staff with built-in training resources and certification
📊

Credit Report Import & Monitoring

  • One-Click 3-Bureau Import — pull Experian, Equifax and TransUnion data in under 90 seconds
  • Auto-Negative-Item Detection — late payments, collections, charge-offs, hard inquiries flagged instantly on import
  • Side-by-Side Report Comparison — view old vs new report in real time to catch every change after a dispute round
  • Automated Monthly Re-Import — scheduled pulls detect new accounts and score changes without manual action
  • 31–45 Day Re-Analysis Engine — every re-import surfaces utilization shifts, new tradelines, and corrected vs. unchanged items at a glance
  • Student Loan Status Detection — automatically flags late or defaulted student loans the moment a report is imported
  • Mortgage Readiness Evaluation — instantly scores each client's ability to qualify for a mortgage and what's standing in the way
  • Credit Score Trigger Alerts — automatic client notification when their score improves
  • Visual Score Gauges — TransUnion, Experian, Equifax scores displayed with monthly progress charts
  • Historical Score Import — backfill score history from other platforms to show the complete journey
  • Annual Credit Report Importer — analyze free bureau reports when monitoring accounts aren't available
  • IdentityIQ Integration — direct login or client signup link, one-click import
  • SmartCredit Integration — instant 3B pull via partner API
  • MyFreeScoreNow Integration — partner API access to 3-bureau monitoring
  • MyScoreIQ & FICO Score Integration — real FICO scores, not just Vantage
  • PrivacyGuard, Credit Dyno & Credit Armor — broadest monitoring provider compatibility in the industry
⚡

AI-Powered Dispute Engine

  • 99.5% FCRA Detection Accuracy — natural-language AI parses every tradeline and catches violations and inaccuracies a human review misses
  • AI Metro 2 Compliance Letters — dynamically generated letters that cite the exact account violation codes, auto-populated with client-specific data
  • Consumer Law Dispute Letters — AI-drafted FCRA, FDCPA and FCBA letters in plain consumer voice, not lawyer-speak that bureaus flag
  • AI Factual Dispute Writer — real-time letter rewriting with escalating emotional tones: professional → concerned → annoyed → demanding
  • FICO 10 T Score Optimization — strategies tuned to current and next-generation FICO scoring models lenders actually use
  • Predictive Score-Impact Modeling — forecasts how each action (pay-down, settlement, new account) will move the score before you act
  • Approvable Card Recommendations — AI suggests the exact credit cards each client is most likely to be approved for based on their profile
  • AI Credit Action Plan — auto-generated, client-specific roadmap with tracked action items that shift responsibility to the client and cut chargebacks
  • Letters by AI™ — unique letter generation that bypasses bureau pattern detection (every letter is different)
  • AI Attack Engine — identifies the highest-probability dispute angles and generates targeted strategies per item
  • ChatGPT-Powered Customization — full AI customization of any template, in real time
  • AI Letter Rewriter — one-click rewrite of any existing letter into a fresh version
  • Metro 2 Compliance Framework — dispute letters built on FCRA and Metro 2 reporting standards
  • Step-by-Step Dispute Workflows — guided AI-assisted dispute flows for bureaus, creditors and debt collectors
  • Auto Account Violation Descriptions — AI identifies and articulates the exact reporting violation per tradeline
🔎

FCRA Violation Tracker & Revenue Recovery

  • Hidden Violation Scanner — systematically scans all three reports for monetizable FCRA violations: date discrepancies, obsolete items, post-dispute reporting failures
  • Violation Categorization — every violation classified by type and account, organized into an attorney-ready case file
  • Post-Dispute Re-Flagging — automatically re-flags violations after a dispute round if the bureau failed to correct them
  • Litigation-Eligibility Tracking — tracks whether each dispute was routed through a CRA so cases qualify for legal escalation
  • Attorney Referral Pipeline — packages qualifying violations and routes them to FCRA attorneys — a new revenue stream worth hundreds per referral
  • Hidden Income Finder — surfaces untapped revenue across your existing client file library you didn't know was there
  • Submission Proof Toolkit — integrated postage purchasing, automatic tracking-code generation, and proof-of-mailing stored with every letter
📨

Dispute Letter Management

  • Dispute Wizard — one-screen interface to flag negative items, select dispute reason and generate letters instantly
  • Color-Coded Dispute Interface — negative items red, positive green, dispute status icons per tradeline
  • Bureau, Creditor & Furnisher Letters — separate letter flows for each dispute path with auto-routed delivery
  • Inquiry Removal Letters — pre-built templates to dispute unauthorized hard inquiries
  • PII Correction Letters — remove outdated addresses, phone numbers, employers and spouse information
  • Arbitration Letter Suite — pre-arbitration demand letters, AAA and JAMS form generation, case tracking
  • 2,200+ Furnisher Contact Database — pre-loaded creditor and collector addresses, fax numbers and dispute contacts
  • Fax-to-Furnisher Integration — dispute directly to creditors and collectors without leaving the platform
  • Bulk Letter Generation — assign and generate dispute letters for dozens of items across all three bureaus in one action
  • Custom Instructions Library — build a library of dispute instructions your team can apply instantly
  • Full Dispute History — every letter, every round, every response — stored and searchable forever
  • Escalation Tracking — know exactly which items are in round 1 vs. round 4 vs. escalated to attorney
✉️

Print, Mail & Delivery

  • One-Click Print & Mail — send dispute letters to all three bureaus simultaneously with one action
  • Batch Printing Engine — bulk print by bureau, round or client — generates physical envelopes automatically
  • USPS Certified Mail Tracking — live delivery status updates, certified tracking numbers per letter
  • Bureau Letters from $1.10 — black & white standard letters, cost-optimized for volume
  • Color Creditor Letters from $1.20 — full-color professional letters to furnishers
  • Certified Mail Upgrade from $6.20 — USPS certified with legal return receipt
  • Auto ID Document Inclusion — government IDs, utility bills and proof of address auto-attached based on bureau requirements
  • Postage Handling — postage calculated, purchased and attached automatically — no trips to the post office
  • LetterStream Integration — instant professional printing and mailing via LetterStream API
  • Batch History & Page Count Tracking — full audit trail of every print run with page counts and cost
📋

Documents, E-Signatures & Notary

  • Digital Client Agreement & E-Signature — clients sign service agreements online, documents auto-saved to their profile
  • Required Document Checklist — ID, proof of address, SSN card — tracked per client with portal upload prompts
  • Secure Document Upload Center — clients photograph and upload documents directly from mobile
  • Automated POA Notarization — Power of Attorney signed and notarized via live audio/video session, certified and archived
  • Blue Notary & Online Notary Integration — one-click certified notary without scheduling or mailing
  • E-Signature Compliance Tracking — ESIGN Act compliant, audit trail of every signature with timestamp and IP
  • Dropbox Sign Integration — send, track and store agreements in Dropbox Sign from within the platform
  • Done-For-You Legal Contract — industry-standard service agreement included, ready to customize with your business name
  • Document Storage Under Client Records — all contracts, IDs, letters and reports stored in one place per client
🤖

Workflow Automation & Integrations

  • Conversational AI Assistant — type what you need in plain English and it analyzes reports, drafts letters and surfaces violations on demand
  • Adaptive Machine-Learning Engine — the system learns from every successful deletion and refines its dispute strategy automatically over time
  • Visual Automation Builder — build multi-step email + SMS + task + API workflows triggered by any system event
  • Pre-Built Onboarding Campaigns — done-for-you welcome sequences, document requests, progress updates and billing reminders
  • Automated Score Alert Campaigns — instant client notification when a new score import detects improvement
  • Automated Billing Alerts — dunning sequences for failed payments, upcoming renewals and overdue balances
  • 5,000+ App Integration via Zapier — connect to any tool in your stack: CRMs, calendars, ad platforms, accounting software
  • Make.com, n8n & Power Automate — enterprise-grade automation for advanced workflow builders
  • GoHighLevel Integration — two-way sync for agencies running GHL pipelines
  • Salesforce & HubSpot Sync — enterprise CRM connectivity without custom development
  • REST API & Webhooks — real-time data exchange at scale for custom integrations
  • API Data Export Automation — schedule automated data pushes to reporting tools, BI dashboards or data warehouses
  • Form-Triggered Automations — every web form submission instantly fires onboarding or sales sequences
💬

2-Way Messaging & Communication

  • 2-Way SMS Messaging — real-time text conversations with clients, replies land in their client record automatically
  • Unique Phone Number per Agent — every team member gets a dedicated SMS-capable line for personal client relationships
  • Twilio SMS Integration — enterprise-grade SMS via Twilio with delivery receipts and analytics
  • ClickSend SMS Integration — bulk and transactional SMS at scale
  • Routee SMS Integration — international SMS coverage across 220+ countries
  • BlueBubbles iMessage Integration — send iMessages to Apple users through your own Mac hardware
  • Gmail & Outlook Integration — one-click connection to your existing email accounts, all conversations logged
  • Multiple Send-As Email Accounts — send from any domain or address your business controls
  • Email Campaign Builder — multi-step educational, onboarding and retention campaigns with variable data
  • Push Notification Alerts — mobile push notifications for new messages, score updates, document requests
  • Client Portal Messaging — secure in-portal messaging keeps financial data off insecure email threads
  • Affiliate Portal Messaging — communicate with referral partners through their dedicated portal inbox
  • Compliant Email Marketing — opt-out management, unsubscribe handling, CAN-SPAM and TCPA compliant
🏢

White Label & Custom Branding

  • Custom Domain & Branded URL — your clients never see Ultra Dispute, only your company name
  • Branded Client Portal — your logo, colors and domain on every page clients see
  • Branded Affiliate Portal — referral partners access their stats through a fully customized experience
  • Branded Mobile App — iOS and Android app published under your business with your logo and colors
  • Branded Invoices & Agreements — every financial document carries your brand, not ours
  • Custom Email Designs — done-for-you branded email templates that match your website
  • Color Profile Customization — primary, accent and background colors configurable throughout the entire platform
  • Custom Resources Page — add guides, videos, FAQs and tools inside the client portal under your brand
  • Spanish-Language Portal — fully localized client experience for Spanish-speaking clients
  • Branded Reports & Progress Graphics — shareable social media results cards with your logo and client score improvements
🌐

Client & Affiliate Portals

  • Self-Service Client Onboarding — clients sign up, sign agreements, upload documents and pay — without you lifting a finger
  • 24/7 AI Portal Chatbot — answers routine client questions instantly so your team isn't buried in status calls
  • Client Portal Auto Sign-In — one-click magic-link access drops clients straight into their dashboard, no password friction
  • Live Score Tracking Dashboard — clients watch their scores improve in real time with visual charts
  • Dispute Status Transparency — clients see exactly what's disputed, with which bureau, and current response status
  • Mobile-Optimized Portal — full portal functionality on any phone, tablet or desktop
  • Document Upload Center — clients photograph and upload IDs, utility bills and court documents directly
  • In-Portal Invoice Payment — clients pay recurring or one-time invoices without contacting you
  • Affiliate Performance Dashboard — referral partners track their leads, conversions, commissions and payouts in real time
  • Affiliate Fast Link — one-link referral URL works without the partner needing to log in
  • Affiliate Commission Reports — detailed monthly payout summaries, PayPal and Stripe disbursement
  • Unlimited Affiliates at No Extra Cost — add as many referral partners as you can recruit
  • Lead Capture Form Tools — affiliates generate leads through their own branded web forms
📈

Analytics, Reporting & Compliance

  • Real-Time Business Analytics Dashboard — active clients, revenue pipeline, dispute rounds in progress, team activity — live
  • Monthly Client Progress Reports — auto-generated colorful reports showing score changes, deletions and wins per client
  • Initial Analysis Report — auto-generated on every credit import with negative item breakdown and strategy recommendations
  • Revenue & Affiliate Reports — total revenue, MRR, ARR, affiliate commissions and payout history
  • Export-Ready Data — all reports, client lists and histories exportable to CSV or PDF
  • Built-In CFPB Complaint Engine — create and submit Consumer Financial Protection Bureau complaints directly from inside the platform
  • State-Specific CROA Agreements (All 50 States) — the correct compliant client agreement and disclosures auto-sent and e-signed at intake
  • Predictive Compliance Monitoring — real-time analytics flag cancellation windows, disclosure gaps and TSR risk before they become a problem
  • TSR Compliant Sales Process — Telemarketing Sales Rule compliance built into every client-facing touchpoint
  • PCI-DSS Level 1 Compliance — payment card data encrypted and handled to the highest security standard
  • State Compliance Support — framework for state credit repair organization act (CROA) requirements
  • 256-Bit AES Encryption — all client data encrypted at rest and in transit
  • 2-Factor Authentication — mandatory 2FA across all accounts, staff and admin
  • Automated Daily Backups — point-in-time recovery on every client record
  • AWS-Hosted Infrastructure — enterprise uptime, disaster recovery and SOC-2 grade infrastructure
  • Compliance Audit Reports — generate documentation for regulatory review on demand
230+ Platform Features
99.5% AI FCRA Detection Accuracy
5,000+ App Integrations via Zapier
2,200+ Furnisher Contacts Pre-Loaded