We find errors on your credit report and generate legally sound dispute letters — in minutes, not months.
Pull your report from AnnualCreditReport.com and upload the PDF. Our AI scans every tradeline, balance, and inquiry for errors, outdated information, and items ripe for dispute.
Inaccurate balances. Accounts that aren't yours. Wrong addresses. Late payments reported incorrectly. We surface every potentially disputable item with citations to the FCRA section that gives you the right to challenge it.
Download your personalized dispute letters — formatted for Equifax, Experian, and TransUnion. Mail them certified. The bureaus have 30 days by law to respond.
Pull a free copy from AnnualCreditReport.com and upload the PDF — that's all we need.
Our model scans every line for inaccuracies, outdated items, and FCRA violations — in seconds.
Download tailored letters for each bureau. Mail certified. Bureaus have 30 days by law to respond.
Upload your credit report PDF and our AI scans it line by line. Inaccurate balances, duplicate accounts, outdated collections, wrong personal information — nothing escapes review.
Each dispute letter references the specific FCRA section that obligates the bureau to investigate. No templates, no guesswork — legally grounded, personalized language that bureaus take seriously.
Your score lives in three separate files at three separate bureaus. We generate a unique, bureau-specific letter for each one — because a dispute sent to the wrong address fails before it starts.
We collect the last 4 digits only at the moment your letter is generated, and we never retain them. No account numbers stored. No sensitive data at rest. GLBA compliant by design.
No payment required until services are rendered. CROA compliant.
Everything you need to get started. No card required.
Full bureau coverage and unlimited disputes every month.
Concierge review, identity monitoring, and dedicated support.
Results vary. No credit repair company can guarantee specific outcomes.
"I had three accounts reporting incorrectly. The letters were ready in minutes and all three were removed within 45 days. I went from rejected to approved for a car loan."
"The AI found a collection account that wasn't even mine — someone else's debt on my report for four years. One letter, 30 days, gone."
"I'd been trying to fix my credit for two years with no results. This service found issues I never would have caught and the letters actually worked. Finally qualified for a mortgage."
Generating dispute letters takes minutes. Credit bureaus have 30 days by law to investigate and respond to each dispute. Most users see initial bureau responses within 30–45 days of mailing letters.
No legitimate credit repair company can guarantee specific results. We help you identify and dispute potentially inaccurate items. Whether items are removed depends on bureau investigation outcomes.
You have an unconditional right to cancel within 3 business days of signing your service agreement at no charge. After that, you may cancel anytime.
No. We collect the last 4 digits only at the moment we generate each letter and never store them. Your full SSN is never required.
You have every right to dispute errors yourself — free. We make the process faster, more thorough, and legally precise. Our AI identifies errors you might miss and writes letters that cite specific FCRA provisions, which bureaus are required to address.
Heavenly Hands operates in full compliance with every federal and state law governing the credit repair industry. This is not a policy we revisit — it is the foundation our business is built on.
We are bound by and strictly adhere to the following regulatory frameworks:
Enforced by the Federal Trade Commission, CROA governs every credit repair organization in the United States. Under this law, Heavenly Hands will never accept payment before services have been fully rendered, will always provide a written contract prior to performing any service, and will always honor your right to cancel that contract within three (3) business days of signing — without penalty, without obligation, and without question.
The FCRA gives consumers the right to dispute inaccurate, incomplete, or unverifiable information on their credit reports. Heavenly Hands operates exclusively within these boundaries. We do not dispute accurate information, we do not fabricate pretexts, and we do not make representations about your credit file that are false. Every dispute letter we generate is grounded in a legitimate, documentable basis.
Enforced jointly by the FTC and the Consumer Financial Protection Bureau (CFPB), the TSR prohibits credit repair organizations from requesting or collecting advance fees for services not yet performed. Heavenly Hands complies unconditionally. We do not solicit by deceptive means, we do not misrepresent outcomes, and we do not guarantee specific results — because no legitimate credit repair organization can.
As an organization handling nonpublic personal financial information, Heavenly Hands is subject to the GLBA's Privacy Rule and Safeguards Rule. Your data is collected only for the purpose of providing the services you have requested. It is never sold, never shared with unaffiliated third parties without your consent, and is protected under a documented information security program.
The Federal Trade Commission's broad authority to prohibit unfair or deceptive acts or practices applies to every consumer-facing representation we make. Our marketing, our pricing, our contracts, and our communications are written to inform — not to mislead.
We only work under written contracts that include the full cancellation period required by law. No verbal agreements. No informal arrangements. Every client engagement begins with a dated, signed contract that clearly states the services to be performed, the total cost, the payment schedule, and your unconditional right to cancel within three business days.
If you believe your rights under any of these laws have been violated by any credit repair organization — including Heavenly Hands — you have the right to file a complaint with the Federal Trade Commission at ReportFraud.ftc.gov, or contact your state's Attorney General office.
This section is provided for informational purposes. It does not constitute legal advice. Heavenly Hands recommends that all consumers review their rights independently.
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Upload a PDF from Equifax, Experian, or TransUnion. We'll scan it and identify items you can dispute.
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