There's a lot of bad advice out there — "affidavits," "secret case law," pay-us-first subscriptions. Here's exactly how ReBoost works instead: the real laws, in the right order, and we don't charge you before we help you.
Equifax, Experian, TransUnion. Don't have them? We show you exactly where to get them free — no card, no catch.
We don't just scan one report. We cross-check the same account across all three bureaus. When they don't match, that contradiction is your strongest ammo.
Every negative gets the right move — not one generic letter. §611 bureau dispute, §623 furnisher dispute, §1692g debt validation, goodwill, or method-of-verification. The law that actually fits.
A personal letter for each item — reads like you wrote it, because it's yours. Report circled, ID enclosed, print-ready packet with numbered dividers.
Certified mail with return receipt, or file directly on each bureau's portal. We give you the exact steps either way.
The bureaus get 30 days. We show you the mailed date, the "look for a response by" date, and flag anything overdue.
Upload whatever came back. If they wrongly "verified" it, ReBoost writes the next round automatically — method-of-verification demand → direct-furnisher dispute → CFPB complaint.
Monthly refresh so you can see what's coming off and where you stand — honestly, with no guarantees.
Deleting bad items alone won't build a score. We line up the rebuild stack — secured cards and credit-union share-secured loans — so your number actually climbs.
Some cases are tough. If yours needs a human, you can book an optional one-on-one strategy call — a specialist reviews your file with you. It's a separate service, and you still review and send every letter yourself.
You've seen the videos: "Upload your report to ChatGPT, have it write an affidavit citing Supreme Court case law, notarize it, and remove anything." Here's the truth.
ReBoost uses the actual mechanics that force deletions of inaccurate and unverifiable items — and we tell you the truth about what's realistic. No magic words. No guaranteed miracles.
The rented white-label apps and the viral "affidavit" trick both cut corners. Here's the honest comparison.
| ReBoost | The $19.99 rented apps |
The viral "affidavit" trick |
|
|---|---|---|---|
| Uses the real FCRA law (§611 / §623 / §1692g) | ✓ | ~generic AI letters | ✕made-up "case law" |
| Charges you before they help you | Never | $20–30/mo upfront | — |
| Escalates when a bureau wrongly "verifies" (MOV → CFPB) | ✓ | ✕stops at "send" | ✕ |
| Helps you rebuild your score, not just delete | ✓ | ✕ | ✕ |
| Tells you the truth — no "remove anything" promises | ✓ | ~ | ✕"delete anything" |
| Stays on the right side of the law | Built for it | advance-fee risk | frivolous-flag risk |
Charging before results can violate the Credit Repair Organizations Act — the reason regulators have gone after big credit-repair operators. And a "sworn affidavit" citing irrelevant case law gets your dispute stamped frivolous under FCRA §611(a)(3). We built ReBoost to avoid both traps.
Upload your report and see your full analysis for free. The other guys bill you $20–30 a month before they've lifted a finger. We built ReBoost the honest way — you see the value first, you stay in control, and you can walk away anytime.