CreditFixExpert · LIKE A KING INC.

How to read a tri-merge credit report and draft an FCRA dispute that cites the line item and the statute

A tool that reads an uploaded tri-merge credit report and drafts disputes citing each line item and statute. No score promises.

You pull your credit reports and find an account you do not recognize, a late payment you remember paying, and a balance that does not match your statement. You know you can dispute them. What you do not know is how to say it so the bureau has to look at the specific item. A vague "this is wrong" letter gets a vague reply.

CreditFixExpert is built around the opposite approach: find the exact line, state what is wrong with it, and cite the law the request rests on.

What is CreditFixExpert?

The site's headline is "Find what's wrong in your credit report. Prove it." You upload a tri-merge credit report (one that combines the three nationwide bureaus). CreditFixExpert finds what is inaccurate, incomplete or unverifiable and drafts disputes "that cite the line item and the statute." It describes its output as "evidence-linked FCRA disputes," with "no guaranteed outcomes, no score promises." It is made by LIKE A KING INC., a small New York software studio.

One boundary up front, from the site's own disclaimer: CreditFixExpert is not a law firm and not a credit reporting agency, and nothing on it is legal advice.

What problem does it solve?

Disputes work better when they are specific and sourced. Doing that by hand means reading dozens of fields across three reports, comparing them, and matching each problem to the right provision. The tool does the reading and drafting, and you decide what to send.

How does it work?

The site is a JavaScript single-page application, so most of the detail sits inside the app. From what the site states and ships publicly:

• Upload and review. You upload a tri-merge report. The review looks for items that are inaccurate, incomplete or unverifiable.
• Evidence-linked drafts. Each dispute letter points at the line item and the law it rests on, namely the Fair Credit Reporting Act (FCRA). The site also has legal-portal pages for the FCRA and for the Credit Repair Organizations Act (CROA).
• Export. The free plan lists PDF export of drafts. The paid Standard plan lists dispute packets with evidence.
• Education. There is an Academy and an assistant that answers questions such as how to read a utilization figure or what a credit freeze is. The chat prompts include "How do I review a report and prepare a letter in CreditFixExpert?"
• Agencies. Agency plans add seats, client limits, and on higher tiers branding and single sign-on.

The disclaimer language is worth quoting in substance. It says no outcome is guaranteed and no specific improvement to a credit score is promised. It also reminds you that you have the right to dispute inaccurate information in your own credit report yourself, free of charge, and to obtain a free copy of your report from each nationwide bureau.

Who is it for?

Consumers who want to work their own file across all three bureaus, and professionals or agencies who carry client files.

How much does it cost?

Prices below come from the plans shipped in the site's app, in USD:

• Self-serve: $0, "forever." Read your own report and see what a dispute would say. Includes a draft and PDF export.
• Standard: $29 a month ($24 a month on annual billing). For working a full file across all three bureaus.
• Complete: $59 a month ($49 on annual billing). "Everything, plus the parts people usually pay someone else for."
• Agency tiers: Starter $99 a month (2 seats, 50 clients), Growth $249 (5 seats, 250 clients), Scale $499 (15 seats, 1,000 clients) and Enterprise $999 (100 seats, 10,000 clients). Annual billing lowers the first three to $79, $199 and $399.

Billing is monthly, with no setup fee and no cancellation fee. Check the live pricing page before you rely on a number.

How is it different from the obvious alternatives?

Doing it yourself with a template letter costs nothing and is legitimate: you are allowed to dispute directly, and the site says so. CreditFixExpert aims to save time by tying each item to its statute. Credit repair companies act on your behalf, usually for a fee. We make no score promises and describe the product as software that drafts letters you send, not a service that acts for you. Free bureau dispute portals let you submit disputes online. They do not draft a statute-linked letter for you to review. Pick whichever approach fits your situation.

What it can't do yet

• It does not promise outcomes or score changes. The site says so repeatedly.
• It is not a law firm, not a credit reporting agency and not legal advice.
• We could not read the app's internal screens from outside the login, so details such as exactly how many items it flags per report are not stated here.
• The public page requires JavaScript. Without it you see only a notice.

What's next?

The site does not publish a dated roadmap. Its sitemap lists pages for pricing, a FAQ, contact, terms, privacy, a disclaimer, and legal-portal pages for the FCRA and CROA.

The business behind it

Credit disputes are a recurring need, and the people who handle them range from individual consumers to agencies with hundreds of client files. The revenue model is a free tier that leads to monthly Standard and Complete plans, plus higher-priced agency plans with seats and client limits. Distribution is search and the educational content (the Academy and FAQ), which is also the product's trust position: clear limits, cited law, no promises. We have no verified customer counts, revenue or growth to report, so we are not stating any.

FAQ

Does CreditFixExpert guarantee a higher credit score?

No. The site promises no outcomes and no score improvements.

Is it a law firm or a credit repair company?

It is neither. It is not a law firm and not a credit reporting agency. It is software that drafts disputes you review.

Can I dispute things myself for free?

Yes. The site reminds you that you can dispute inaccurate information yourself at no cost and get a free report from each nationwide bureau.

What do I upload?

A tri-merge credit report.

How much is it?

$0 self-serve, $29 a month Standard, $59 a month Complete, and agency plans from $99 a month.

Try it: https://creditfixexpert.com

Written with AI assistance and reviewed by the LIKE A KING INC. team. LIKE A KING INC. is a software studio in New York.