Dispute your credit report with the precision of a $10,000 attorney.
Free for 60 days.
CreditMagna is a fully autonomous engine that ingests your bureau report, identifies every FCRA violation, and produces certified-mail ready dispute letters in under three minutes — free until August 9, 2026.
Founding window closes August 9, 2026 · 31 days, 6 hours left
An attorney's workflow, distilled into software.
Automated Extraction
Our engine parses your bureau report end-to-end and classifies every negative item with FCRA-grade precision.
FCRA Violation Detection
Each item is mapped to its statutory dispute basis — §1681i, §1681s-2(b), §1681c — with the exact legal citations.
Print-Ready Letters
Per-item, per-bureau dispute letters generated as polished PDFs with bureau addresses and certified-mail blocks.
CFPB Escalation Packets
One-click escalation packets for the Consumer Financial Protection Bureau when bureaus stonewall.
Identity Theft Workflow
FTC affidavit + §605B block letters for fraudulent accounts — generated automatically when identity theft is flagged.
Zero Human Involvement
Your data never leaves the automated pipeline. No agents, no calls, no manual review. One-of-one infrastructure.
The letter, sent by hand, still wins.
Why CreditMagna prints, signs, and certifies every dispute — instead of pushing them through a bureau's online portal.
“A certified letter, signed and sealed, still carries more weight than any online form. It begins the clock — and creates the record.”
“Certified mail with return receipt is the only method that preserves every right available to the consumer.”
“Online portals are designed for the bureau's convenience — not yours. The letter remains the standard.”
Statements above reflect long-standing positions of consumer protection professionals on the value of certified-mail disputes. CreditMagna is a software platform — not a law firm — and provides no legal advice.
Four simple steps.
Every step is handled by the automated engine — from PDF parsing to letter generation. You print, sign, and mail. That is the entire workflow.
Upload your credit report
Pull a free AnnualCreditReport PDF and drag it into CreditMagna. 25MB max.
Every negative item, identified
Within seconds, every collection, late payment, charge-off, and inquiry is classified by bureau and violation type.
Letters generate automatically
One dispute letter per item, per bureau — drafted to FCRA standards with your consumer information pre-filled.
Print, sign, certify, mail
Download print-ready PDFs. Send via USPS Certified Mail with Return Receipt. Bureaus have 30 days to respond.
Ninety-seven dollars.
Lifetime access.
A single payment unlocks the full CreditMagna engine. Unlimited reports. Unlimited letters. Unlimited CFPB escalations. No subscriptions. No upsells. No agents.
- Unlimited credit report uploads
- Automated extraction and FCRA classification
- Unlimited dispute letter generation
- CFPB escalation packets
- Identity theft workflow (FTC + §605B)
- Print-ready PDF downloads
Read the playbook first.
Seventeen dollars.
CreditMagna800: The Blueprint to 800 is a ~30-page premium ebook written like a hardcover finance manual. The exact frameworks we use to remove medical, collection, and inquiry items — distilled.
- Print-ready PDF delivered to your inbox instantly
- Includes a private $25-off code for the full engine
- 30-day money-back if it doesn't move your score
Instant download. Guest checkout via Stripe — no account required.
Why VOO, GLD & Bitcoin
hold the next decade.
A data-backed, non-hyped educational analysis of three complementary stability pillars — diversified US growth, timeless value protection, and digital scarcity. 5 chapters, ~25 pages, written in the voice of a CFA-trained macro strategist.
- 5 chapters · ~25 pages · Black & Gold hardcover aesthetic
- Every section grounded in concrete data & historical examples
- Balanced risks & realistic expectations in every chapter
- Includes a private $25-off CreditMagna promo code
Instant download. Guest checkout via Stripe — no account required.
Built for the
skeptical consumer.
Is CreditMagna a credit repair company?+
No. CreditMagna is a software platform. It is not a law firm and provides no legal advice. You are the consumer exercising your rights under the Fair Credit Reporting Act.
What is the 60-day free access window?+
Founding members who sign up before our public launch date receive 60 days of full access to the entire CreditMagna engine — unlimited credit-report uploads, every dispute letter, the CFPB escalation packet, and the identity-theft workflow — without entering a credit card. After your 60 days end, your account simply pauses unless you upgrade for the one-time $97 lifetime fee. No auto-charges, no surprises.
How long does the process take?+
Extraction and letter generation completes in under 3 minutes. Bureaus are legally required to investigate and respond within 30 days of receipt.
Why certified mail?+
Certified Mail with Return Receipt is the only legally-defensible proof of delivery. CreditMagna embeds the certified-mail block on every letter and supplies the mailing instructions.
What happens if the bureaus ignore my dispute?+
CreditMagna generates a CFPB escalation packet automatically. If identity theft is detected, an FTC affidavit and §605B block letter are also produced.
Is the $97 a subscription?+
No. $97 is a one-time fee for full lifetime access to your account, including unlimited reports and re-generation.