Point Doctors automatically imports your 3 bureau credit report without creating a hard inquiry.
Point Doctors' Artificial Intelligence knows which accounts are hurting your credit and helps you create the right disputes to remove them.
Dispute as many accounts as you want on all 3 bureaus at the same time. It doesn’t matter if you have one account or fifty accounts to dispute, Point Doctors can easily manage and track all of them.
Letters are far more effective at getting accounts permanently deleted than online disputes. Point Doctors' letter generator helps you create effective disputes based on consumer protection laws.
Every month you reimport your new 3 bureau credit reports using our proprietary software. Each reimport shows which accounts were deleted and your new credit scores. If an account wasn’t deleted, Point Doctors will have the follow up letters you should send for additional disputes.
- Late Payments - Repossessions - Charge Offs - Foreclosures - Collections - Judgments - Inquiries - Inaccurate Personal Information - Bankruptcy (Yes, Even Bankruptcies)
No need to create an account with each credit bureau. Point Doctors brings all three credit bureaus to you.
Fixing your own credit used to require a ton of work and a bit of luck. But now, Point Doctors DIY makes fixing your credit and increasing your credit score fast and easy.
Who doesn’t love free? Get access to our software and letter templates for FREE.
We provide you with all of the letter templates you need to get negative items off your reports.
Increased scores means that you have more financial power.
Work on your credit health whenever you want. The power is in your hands.
You have the right to receive a Credit Report from each of the three nationwide consumer reporting agencies once every 12 months. A Credit Score is not included. You can get these credit reports at www.AnnualCreditReport.com, These credit reports do not integrate with this software.
IMPORTANT: Point Doctors DIY is not a credit repair service. You repair your own credit as this is self-help software. We give you access to our proprietary software and letter templates.
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor a credit repair company or credit repair organization has the right to have accurate, current and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported up to 10 years. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute that accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
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