Beta pricing ends at 500 members — only 137 spots left
Credit Control Lab — AI Dispute Engine

Credit repair companies charge $1,500–$3,000 to do what this AI does in 10 minutes.

Upload your credit report. Our AI scans for FCRA, FDCPA, and Metro 2 violations, builds your dispute strategy, and drafts your letters — the same way a $150/hour credit attorney would. Then you mail them. That's it.

You already know the game is rigged.

You applied for the apartment. They ran your credit. You got the "we're sorry" email three days later. You tried to buy the car — approved, but at 17.9% instead of the 5.9% your coworker just got. You walked past the house you actually loved because you know what a lender's going to say.

So you started looking at credit repair.

"You're looking at $1,500 to $3,000 for our 12-month program. That includes three rounds of disputes to all three bureaus, plus unlimited consultations. We can start you today."

And you did the math. Three grand. To mail letters. Letters that are mostly templates. Letters that cite laws you could look up on Google in 20 minutes.

Here's what they don't tell you on that consultation call:

  • They use templates. The same template for everyone. It's why the deletion rates are mediocre.
  • They delay. Round 1 goes out in month one. Round 2 doesn't go out until they're sure you're locked in the contract.
  • They don't customize by state law. Your statute of limitations might already protect you — most reps have no idea.
  • They can't legally do anything you can't do yourself. The FCRA and FDCPA give YOU the rights. They just know which paragraph to copy-paste.

What if you had their entire playbook on your phone. What if you could run your report through something that reads like a credit attorney, finds every violation the bureaus are making, ranks them by deletion probability, and drafts the letters for you in under ten minutes?

That's what we built.

Meet Credit Control Lab.

The first AI dispute engine built on FCRA, FDCPA, Metro 2, and state SOL law — not generic templates.

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Upload Your Report

SmartCredit, IdentityIQ, Credit Karma — whatever you use. The AI reads all three bureaus in one shot.

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Finds Every Violation

FCRA 611 inaccuracies. FDCPA 809 unvalidated debts. Metro 2 reporting errors. Re-aged collections. Obsolete items.

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Ranks by Deletion Odds

High / Medium / Low priority per item so you attack the easy wins first and build momentum.

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Drafts Every Letter

Bureau disputes, debt validation, method of verification, goodwill, cease-and-desist. All state-law-aware.

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You Mail Them

Print, sign, certified mail. You stay in control. No power of attorney. No "trust us with your identity."

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Track Rounds Automatically

Letter 1 goes out. 30 days later the AI tells you exactly what the round 2 move is based on the response.

⚡ Launch-week bonus

Want to turn your new credit knowledge into a real business?

Some Credit Control Lab members are already running this for friends and family and charging $300-$500 per person. The Business Builder Blueprint is the complete playbook: LLC setup, EIN, DUNS, business credit (Nav Prime, Net 30, Uline, Amazon Commercial), and funding access through 100+ banks. Normally $1,000 — $100 for launch-week members only.

What changes in the first 30 days.

Before Credit Control Lab

  • 3 hours writing a single dispute letter that's probably wrong
  • $1,500-$3,000 to a credit repair company for work you could do yourself
  • No idea which items are the best ones to dispute first
  • Template letters that get "verified" and die at round 1
  • Waiting 90 days for round 2, then another 90 for round 3
  • Credit score stuck. Apartment applications still denied.

With Credit Control Lab

  • Upload report → letters drafted in under 10 minutes
  • $42/month. Cancel anytime. Or $298/year and save 41%.
  • AI ranks every item by deletion probability
  • Letters cite the specific FCRA/FDCPA violations the bureau is making
  • Round-by-round strategy updates as responses come in
  • Items start coming off. Score starts climbing. Doors open.

Lock in Beta Pricing Forever.

When we hit 500 members, the price goes to $99/mo. Get in now and your rate is frozen for as long as you stay subscribed.

Beta Spots Remaining
137 / 500

Once we hit 500, Unlimited becomes $99/mo. No exceptions.

Credit Control Lab — Unlimited

Monthly Annually SAVE 41%
$504/year if paid monthly
$ 298 /year
Save $206/year vs. monthly
  • Unlimited credit report analyses
  • AI violation detection with legal citations
  • Priority-ranked deletion strategy per item
  • Unlimited dispute letter generation (all 6 types)
  • Automatic round-by-round strategy updates
  • Creditor contact directory (saved per-profile)
  • Full Access Hub — letter templates, guides, dispute system
  • Priority email support
  • Beta rate locked for life
Lock In Beta Pricing Now → $298/year, billed once
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30-day money-back guarantee. Cancel anytime.

The questions we get daily.

Is this legal? Is Credit Control Lab a credit repair organization?
We're a software tool. You're disputing your own credit using your own rights under the FCRA and FDCPA — which is 100% legal and has been since 1970. We don't act on your behalf, we don't have power of attorney, and we never contact bureaus or creditors for you. You stay in control. (For comparison: credit repair organizations are companies that dispute on your behalf and fall under CROA — that's not us.)
What credit reports does it support?
SmartCredit, IdentityIQ, MyFreeScoreNow, Credit Hero Score, and most 3-bureau PDF exports. We read all three bureaus (Equifax, Experian, TransUnion) in a single upload.
Will my credit score actually improve?
We can't guarantee specific outcomes — nobody legally can, and anyone who does is violating FTC rules. What we CAN say: items that get deleted are removed from your report, which typically raises your score. The AI is focused on finding legitimate violations and inaccuracies the bureaus and furnishers are making. When those get disputed correctly with the right legal basis, they come off more often than not.
How is this different from credit repair companies that charge $100/month?
They use generic templates and typically send one round of letters per month to stretch the contract. Our AI builds custom letters citing the specific violations on YOUR report, ranks items by deletion priority, and updates strategy based on the actual responses you receive. And it's $42/mo on beta pricing vs. $100-$150/mo most companies charge.
What happens if I cancel? Do I lose my data?
Cancel anytime from your dashboard. You keep access through the end of your billing period and can export your dispute history. No cancellation fees, no phone calls required.
Why is it $99/mo after beta? Are you just raising prices to pressure me?
Honest answer: AI is expensive to run. Every report analysis uses real compute and real API costs on Anthropic's servers. We subsidized beta to prove the product works. Once we hit 500 members, the math stops working at $42. You'll see the new pricing go live and your rate will stay grandfathered as long as you stay subscribed.
I want someone to just do it FOR me. Can I get help?
Yes — call (762) 475-8398 and Jessica (our AI voice assistant) will book your free strategy call. We'll walk through your specific situation before you decide.

Your credit isn't fixing itself.

Every month you wait is another month of apartment applications denied, another month of 17.9% car loans, another month of walking past houses you could own. The AI costs you less than two coffees a week. The alternative — doing nothing — costs you a decade of financial life.

Lock In Beta Pricing Now → 137 of 500 spots remaining

Prefer to talk first? Call (762) 475-8398 and Jessica (our AI voice assistant) will book your free strategy call.

Credit Control Lab is a software tool, not a credit repair organization under the Credit Repair Organizations Act (CROA). Results vary based on individual credit report data and dispute outcomes. Nothing on this page constitutes legal or financial advice. By subscribing, you agree to our Terms of Service and Privacy Policy.