A message from the founder

Why I created Credit Letter MVP

Hiring a law firm or another professional service to prepare and send credit-report letters can be expensive. I built Credit Letter MVP because people deserve an affordable self-service option when what they need is a clear, well-organized letter—not legal representation.

Credit Letter MVP puts practical tools directly in your hands: review the information in your reports, choose the account and factual issue, prepare personalized bureau-specific letters, and decide how to send them. You stay in control from start to finish, for a fraction of the cost of many traditional services.

This is self-service document-preparation software, not a law firm, and no result is guaranteed. My goal is simple: give you a clear, professional, and affordable way to advocate for yourself.

PatrickFounder, Credit Letter MVP

Watch the video to learn how Credit Letter MVP works

Follow the complete process—from uploading credit reports and reviewing the analysis to creating and signing your finished letter. You can download or print it, email a copy to yourself, and mail it yourself—or choose our optional certified-mailing service for a separate fee.

Prepare credit-report letters clearly and confidently.

Use our self-service software to upload your credit reports, review the extracted information, and prepare professional Dispute, Goodwill, or Follow-Up / Method-of-Verification letters. Preparation costs $14.95 per selected account, including every bureau-specific copy needed for that account. Download, print, and send them yourself—or optionally use our mailing service for convenience.

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Credit Letter MVP Man holding a Credit Letter MVP letter

How it works

📌 Tip: Upload PDF credit reports directly from Experian, TransUnion, or Equifax — or get all three free at AnnualCreditReport.com.
1.
Upload reports
Upload your Experian, TransUnion, and Equifax credit report PDFs individually.
2.
Choose tradelines
Pick the accounts you want to address. We de-duplicate across bureaus.
3.
Select letter & reason
Dispute, Goodwill, or Follow-Up / MOV with curated reasons.
4.
Add enclosures
Attach documents that support the facts you selected, such as an FTC Identity Theft Report, police report, ID, or proof of address.
5.
Generate & send
Download letters, then mail via USPS Certified or use bureau portals. Our tutorial walks you through it.
6.
Track & follow up
Keep your records organized and prepare a follow-up document when you choose to respond to a recipient.

Why Credit Letter MVP

3-Bureau merge with provenance
We combine matches and show badges where found: E T Q.
Structured review
Organize creditor names, masked account references, balances, dates, status, and other report details for your review.
Practical document types
Prepare factual disputes, goodwill requests, and follow-up correspondence using the facts and reasons you select.
No subscription
Pay $14.95 per selected account. All bureau-specific copies for that account are included.
Step-by-step tutorial
Comprehensive guidance from reports to mailing. See Tutorial.
Privacy & control
You choose what to upload. We keep it secure and never sell your data.

Pricing

No subscription. Simple per-account pricing.

Pay Per Selected Account

$14.95 /account
Prepare the letters for one selected account, including all required bureau-specific copies.
  • ✓ $14.95 per selected account
  • ✓ All bureau-specific copies included
  • ✓ Download and print to mail yourself
  • ✓ Optional mailing service available
  • ✓ Professional, review-ready formatting
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Common questions

What do the badges mean?

E = Experian, T = TransUnion, Q = Equifax. Multiple badges mean the same account appeared on multiple reports—we merge it for one review, then create a separate letter for each bureau you choose.

Does the software change my report?

No. The software prepares letters from your selections. Recipients decide how to respond, and no deletion, correction, response, outcome, or score change is promised.

Do you offer a tutorial?

Yes—full, step-by-step walkthroughs for Disputes, Goodwill, and Follow-Up letters. Visit the Tutorial.
See all FAQs

Contact & support