Good Debt
Credit Solutions
AI Credit Advisor included on every plan

Built for the
next gen. Backed
by the law.

New-school credit repair built on the FCRA, FDCPA, FACTA, ECOA, and FCBA. Statute-cited disputes, an AI advisor trained on the actual statutes, and a workflow that escalates round by round until the report is right. No guarantees. No gimmicks.

Start free — no card needed How the engine works
CROA-compliant FCRA + FDCPA grounded Zero deletion guarantees
Home ownership
Focus Track
9-mo result
Home Buyer
612 → 740
Average 9-month outcome — internal client cohort
4-round
Dispute engine
3 bureaus
Equifax · Experian · TransUnion
§1681 + §1692
Statute-cited letters
0
Score guarantees we make
The Process

A real workflow, not a stack of generic letters.

Boilerplate disputes get ignored. Ours are tied to the exact statute, the exact account, and the exact evidence — then escalated round by round until the bureau or furnisher resolves.

01
Upload your report
Pull your tri-bureau report. We tag each item by reason, bureau, and round priority.
02
Get your strategy
Items are sorted by your Focus Track. Evidence strength scoring flags which disputes will win.
03
4-round dispute engine
Bureau dispute → Method of Verification → Furnisher direct → CFPB. Letters auto-drafted, admin approved.
04
Build positive credit
We pair removals with positive tradeline coaching so your score actually moves.
Focus Tracks

Built for your actual goal.

Your strategy isn't the same as someone else's. Each track ranks items by what matters most for your milestone — and gives you the coaching to match.

Home Buyer
Mortgage-ready scoring, paydown timing, and rent history attestations.
Auto Approval
Stabilize payment history and tighten utilization before the dealership.
Business Funding
Personal-profile cleanup paired with business credit foundation.
Identity Theft
FTC affidavit, FCRA 605B blocks, and fraud alerts done right.
Rebuild & Optimize
Positive tradelines, autopay discipline, AZEO utilization.
Live Tool

See your projected score in 30 seconds.

Plug in your balances, limits, and negatives. Our simulator returns realistic, FICO-aware action items — no fairy-tale numbers.

Score Simulator

Estimate the impact of utilization, dispute wins, and inquiry challenges.

AI Advisor
Ask a credit question. Get a real answer.

Claude-powered, FCRA-aware, compliance-bound. It cites statute when it cites law and never invents facts.

Try the advisor
Statute-cited PDF letters

Every letter cites the exact FCRA/FDCPA section and references the consumer's actual account, evidence, and round. Download-ready.

Wins Wall

Real receipts.
Real wins.

See the whole wall
Charge-off removed after Round 2

Capital One charge-off from 2022 was finally deleted after a Method of Verification request. Score jumped 47 points in two weeks. Round 1 they verified; Round 2 they could not produce the documentation.

612 → 659
— Jordan S.
Founders
"We don't sell hope. We sell a workflow that follows the actual law — round by round, item by item, until the report is right."
— Founders · Good Debt Credit Solutions

Stop guessing.
Start clearing.

Create your free account and we'll set up your Focus Track and first dispute round today.

Create my planSee pricing