Go fyyx your credit.
Find credit report errors. Build your disputes. Track what happens next.
fyyxit is a software subscription — not a credit repair service. You get tools to analyze your credit reports with AI, generate draft dispute letters, track progress, and mail approved letters. You review and approve every letter. Nothing is sent on your behalf without your explicit approval.
You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus. You are paying for access to software — nothing until after your 3-business-day cancellation period.
Included free
Your first letter — an identity verification letter — mails free.
No card required to start. You review and approve the letter before it's ever sent. The free letter mails at no cost — one time, not recurring.
How it works
Three steps to your free identity verification letter.
- Step 1Upload your reportAny bureau PDF — accounts are extracted for you.
- Step 2See what's worth disputingEvery account is checked for issues that commonly qualify.
- Step 3Mail your free letterApprove it and your first identity verification letter goes out at no cost.
What you see after your report is imported
- Midland Funding LLCCollection · Reported by Experian, TransUnionPossible issue: Balance reported differs between bureaus
Experian $1,204 · TransUnion $1,428
- Capital One BankRevolving · Reported by all three bureausPossible issue: Date of first delinquency missing
Required Metro 2 field is blank on the Equifax record.
- Portfolio RecoveryCollection · Reported by EquifaxPossible issue: Possible duplicate of an existing account
Same balance and open date as another collection on file.
Illustrative example. Flags indicate items that commonly qualify for a dispute — they are not legal conclusions, and no outcome is guaranteed.
A note from the founder
My credit went from the high 700s to the 300s. That's why fyyxit exists.
A flood. A lawyer who no-showed in court. COVID. A $7,500 grant I won and then lost because my score wasn't good enough to qualify for the loan meant to help me. So I built the tool I wished I'd had.
fyyxit is a software subscription, not a credit repair service. Educational content, not legal advice. Results are never guaranteed.
What you actually get
Your monthly subscription includes access to the following tools.
Know what you're looking at
Upload a PDF from Experian, Equifax, TransUnion, or a tri-merge report. Your accounts get pulled out line by line and the items that commonly qualify for a dispute are pointed out to you in plain language.
Stop staring at a blank dispute letter
Draft letters are written for you from your own report data — the account, the bureau, the issue. You review, edit, and approve every one before anything moves forward.
Get it in the mail without the post office trip
Your identity verification letter mails free. After that, printing and certified mailing is priced per letter, at a lower rate on every paid membership, and the price is always shown before you're charged. Printing and mailing it yourself stays free. You remain the sender.
Know exactly where every dispute stands
Every account and every letter, with its current status — draft, approved, sent, resolved — in one place, so nothing quietly falls through.
Understand your rights before you need them
Plain-language explanations of the FCRA, CROA, and your state and federal consumer credit rights — written for people, not lawyers.
Handle identity theft without guessing
A guided workflow for FCRA § 605B block requests and fraud alerts that organizes your FTC report and blocked-item requests for you.
Nothing leaves without your say-so
Every letter stays a draft until you e-sign and approve it. The software will not send anything on your behalf automatically.
Coming to fyyxit: third-party credit monitoring integration, so score and file changes flow straight into your dashboard.
Go fyyx your credit.
Find the errors. Send the letters. Track every response.
Simple, tiered pricing
Start free. Upgrade when you're ready. No charge until after your CROA 3-business-day cancellation window on your first paid upgrade.
For seeing what's actually there
Free
Get started, review your report, and send one identity verification letter.
- Unlimited credit report imports (PDF or CSV)
- AI credit report summary
- Credit score dashboard (integration coming soon)
- Basic credit education library
- Document storage
- View-only dispute tracking
- One (1) free Identity Verification letter — one-time, not recurring
- Tradeline / account disputes require a paid plan
For fixing what's wrong
Pro
Unlimited dispute preparation for individuals.
- Everything in Free
- Unlimited AI credit report analysis
- Unlimited dispute letter drafts
- Metro 2 compliance analysis
- Plain-English AI explanation of each flagged account
- Dispute tracking timeline
- Personal document vault
- Unlimited PDF exports
- Multi-bureau side-by-side comparison
For going further
Pro Plus
Advanced dispute strategy tools and creditor negotiation workflows.
- Everything in Pro
- Rules-based dispute optimizer
- Follow-up letters for unanswered disputes
- Identity theft workflows — FCRA § 605B block requests
- CFPB complaint builder
- Debt validation letters (FDCPA § 1692g)
- Goodwill letter generator
- Pay-for-delete negotiation assistant
- Credit utilization optimizer
- Collections roadmap
- Creditor call scripts
- Advanced reporting and printable PDF summaries
Printing and mailing, priced per letter
Your first identity verification letter mails free. After that, each letter costs the actual USPS Certified Mail cost plus a flat service fee that depends on your plan. The exact total is always shown before you're charged, and printing and mailing letters yourself is always free.
- Freemail cost + $4.00 per letter≈ $13.50 typical
- Promail cost + $3.00 per letter≈ $12.50 typical
- Pro Plusmail cost + $2.00 per letter≈ $11.50 typical
Includes printing, paper, envelope, USPS Certified Mail with electronic return receipt, and delivery tracking — proof of the date the bureau received your dispute. Carrier cost varies with page count, so totals are estimates until the letter is priced.
For credit professionals → fyyxit for Business
All paid tiers require completing the consumer disclosure and signing the fyyxit Software Subscription Agreement. Billing does not begin until after your 3-business-day right-to-cancel window has passed. This software assists consumers in preparing and organizing disputes. It does not guarantee deletions, score increases, or specific outcomes.
Common questions
Ready to get started?
Create a free account. No card required. Upgrade later when you're ready to prepare full disputes — you'll review the consumer disclosure and subscription agreement at that point.