Set the recordstraight.
Credit report errors cost real money: higher rates, denied cards, lost apartments. Fixing them shouldn't mean paying a stranger $100 a month to mail letters you never see. Fairstanding puts the whole dispute process in your hands, with proof of every step.
Get early access
1 in 5 consumer credit reports contain errors, according to the FTC's accuracy study. Yours might be one of them.
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Approved
You reviewed and approved this letter before it went anywhere.
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Mailed
Sent by certified mail. The receipt is kept on file.
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Carrier reported delivered
Carrier scan: delivered to the bureau's address. Kept on file.
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Response receivedNot yet
The bureau's response document appears here when it arrives. No document, no checkmark.
Estimated response date: Sep 12. Estimated from the delivery scan, not a guarantee.
Be first in line
The free pilot opens soon. The waitlist gets invited first, in order.
Errors surface at the worst moments
Most people find out about a credit report error while someone else is reading it.
The loan officer pulls your report and a collection you don't recognize is sitting on it. The rate jumps while you're standing there.
Tenant screening runs on the same bureau data. A mixed file, or a paid-off debt still showing open, reads as risk, and the unit goes to the next applicant.
Underwriters price from what the bureaus show. A late payment that never happened can sit there for years if nobody forces a check.
Disputing is the legal lever that forces that check. Once you dispute, the FCRA generally gives bureaus about 30 days to investigate. The clock starts only when you send.
Your three real options
An honest comparison, including the one that costs nothing.
| Fairstanding pilot | Credit repair companies | Fully on your own | |
|---|---|---|---|
| Price | Free | Typically $79 to $150 a month | Free |
| Who sends disputes | You do, with prepared letters and tracking | They do. You often never see the letters. | You do, from scratch |
| Proof kept | Letters, receipts, scans and deadlines in one file | Varies by company | Whatever you remember to save |
| Score promises | Never | Common in ads. Nobody can promise this. | None |
| Accurate items | We tell you when a dispute isn't worth it | Some firms dispute accurate items anyway | Your judgment |
| Walking away | Anytime, self serve | Contracts vary. Federal law gives 3 business days to cancel. | Nothing to cancel |
Fair is fair: doing this yourself, without us, works. It is your legal right and it costs nothing. Fairstanding exists to make that same path organized, tracked and provable.
Why join now
Bureaus get about 30 days once a dispute lands. If you wait until a lender is already pulling your file, the window has usually closed.
Invites go out in the order people joined. Earlier on the list means earlier access, and pilot members shape what gets built.
The point of a clean file is that it is already clean on the day someone reads it. That day rarely announces itself.
Quick answers
Can't I dispute credit report errors myself for free?
Yes. Disputing is free by law, always, directly with the credit bureaus. Fairstanding adds preparation, tracking, deadlines, and proof, so nothing gets lost and nothing sends without your approval.
Can Fairstanding remove accurate information from my report?
No, and nobody legitimate can. Accurate, timely, verifiable information generally stays until it ages off. We help you fix what's actually wrong, and we tell you the difference.
Is Fairstanding free?
The pilot is free. If we add paid plans later, you'll see the full price before you ever pay, and canceling will be quick and self-serve.
When does the pilot open?
Soon. Waitlist members get invited first, in the order they joined.