Just got denied? Credit reporting agency errors are behind 1 in 3 loan rejections — and you have the legal right to force corrections.
Analyze your reports free →LegacyArmor's AI analyzes all three credit reporting agency reports simultaneously, finds every FCRA violation and error, and generates legally-grounded dispute letters in minutes — not months.
Free to start — no credit card, no monthly fees. · View full pricing →Denied a mortgage twice. LegacyArmor found an account reported differently across two credit reporting agencies. Got it removed in 28 days. My score jumped 61 points.
I was paying $89/month to a credit repair company for 8 months. Nothing happened. LegacyArmor found the same errors in 10 minutes and my disputes were out the door same day.
The dispute letters cited exact FCRA statutes. The credit reporting agency backed down before the 30-day window even closed. Three disputes. Three wins. I didn't need a lawyer.
Download your free reports from all three credit reporting agencies — Equifax, Experian, and TransUnion — and upload them here. The AI reads all three simultaneously. Most tools check one at a time and miss the inconsistencies between agencies.
LegacyArmor cross-references every account across all three agencies, flagging inconsistencies, unverified data, and anything that violates FCRA, FDCPA, and Metro 2 standards. You see exactly what's wrong, why it's wrong, and how strong each dispute is.
Personalized dispute letters, one per issue per credit reporting agency, citing the exact laws being violated. Print them, sign them, send certified mail. The agencies are legally required to investigate — and the 30-day clock starts the moment they receive it.
The most damaging errors aren't always obvious on a single report. They show up when an account is reported as delinquent on one credit reporting agency and current on another — or when a debt appears with different balances, different dates, or different creditor names across agencies.
LegacyArmor's AI loads all three reports into a single analysis, finds every discrepancy, and maps each one to a specific legal violation. A human doing this manually would spend 3–4 hours per report set. The AI does it in under two minutes.
The credit repair industry is built on a model that keeps you subscribed, not on a model that gets you results. The longer you stay, the more they earn — regardless of what happens to your credit.
LegacyArmor is a tool, not a service. You pay for what you use. You generate the letters, you send them, you own every outcome. We don't want a monthly relationship — we want your credit fixed.
Most tools look at one report in isolation. LegacyArmor loads all three simultaneously and catches every discrepancy — accounts that differ in balance, status, or dates across credit reporting agencies. These contradictions are your strongest disputes.
Every dispute letter cites the specific FCRA and FDCPA provisions being violated. Credit reporting agencies are legally obligated to investigate disputes that reference these statutes. Generic letters get generic responses.
Not all errors are equally disputable. LegacyArmor rates each flagged item — Strong, Moderate, or Weak — so you know which disputes to prioritize and what response to expect. No guesswork.
FCRA §611 gives credit reporting agencies 30 days to investigate. LegacyArmor tracks every open dispute and tells you exactly when to escalate, follow up, or file a complaint with the CFPB. The clock works for you — if you use it.
LegacyArmor has zero access to Equifax, Experian, or TransUnion. You download your own reports directly from annualcreditreport.com and upload them here. Your login credentials stay with you, always.
Every letter LegacyArmor generates is grounded in the Fair Credit Reporting Act and Fair Debt Collection Practices Act. We don't fabricate disputes or claim errors that aren't there. The law is already on your side — we help you use it.
Your credit report data is used solely to generate your dispute letters. It is not sold, not profiled, not shared with lenders or third parties. You're not the product — your credit defense is.
See exactly what real dispute language looks like. Cite Section 611. Demand reinvestigation. Force a response. We'll send it to your inbox — no credit card, no signup.
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All three credit reporting agencies analyzed together. Dispute letters ready to send.
Full dispute management. Follow-up letters. Complete print-ready dispute packets.
The 12 FCRA rights every consumer has — and how to use each one to force corrections on your credit file. Free. No credit card.
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LegacyArmor turns the FCRA back in your favor — in minutes, not months, without a monthly retainer.
