Consumer-Directed Credit Enforcement
Citely runs the full FCRA dispute process — from report upload to certified mail delivery to deadline tracking to escalation. You're in control of every step. You sign every letter. You pay only when you act.
What to have ready
Free analysis — no credit card required. No SSN. No subscription.
Free analysis. Pay only when you send a letter.
The Clock They're Counting On
Under the Fair Credit Reporting Act, a bureau has 30 days to investigate a dispute and respond. If they don't — or if the item can't be verified — they're required to delete it. That's federal law.
What the law doesn't do is remind you when 30 days is up. It doesn't notice when a deleted item quietly reappears three months later. It doesn't tell you that a letter written the wrong way gets auto-flagged as "frivolous" by their processing system before a human ever reads it.
Most disputes fail not because the error can't be fixed — but because the person disputing it loses track. The follow-up window closes. The bureau stalls and says nothing. You move on. The error stays.
The bureaus count on that.
Citely holds the thread from first upload to final resolution. It never forgets a deadline, never misses an escalation window, and always has the next move ready.
How It Works
The full dispute process. Nothing skipped.
Go to annualcreditreport.com and download your PDFs from Equifax, TransUnion, and Experian. Free by federal law. Takes about 5 minutes.
Free at annualcreditreport.com · required by federal law
Drop the PDFs in. Lex reads every account, inquiry, and public record across all three reports. Not a sample. Everything.
No SSN required · no direct bureau connection
Lex identifies which items have legal grounds for dispute under FCRA §609, §611, or §623 — and which don't. For each one: what the issue is, which statute applies, and what your options are. In plain English.
Lex also identifies violations under the FDCPA, ECOA, and FACTA — not just FCRA.
For each disputable item, Lex drafts a letter with the correct legal language and statute cited for that specific item. Not a generic template. You see every word before anything leaves.
Two options per letter. You decide which is right for your situation.
The statutory clock starts the moment delivery is confirmed. You don't track a date. At day 28 with no bureau response, Citely alerts you — follow-up letter already drafted, CFPB complaint ready if you need it.
Roughly 1 in 5 successfully removed items reappear within months. Citely flags the moment it happens. The case doesn't close until you close it.
Your Advisor
Lex is the AI advisor behind Citely. It has one job: your credit case. Most credit problems aren't solved in a single letter — they unfold over months. A bureau stalls. A response comes back vague. An item gets "verified" without explanation. A deleted account reappears. At every one of those moments, you need someone who remembers the whole picture and knows what the law says about your specific situation. That's Lex.
Remembers the whole case
Every letter sent, every deadline tracked, every response received. Does not start from zero every time you open the app.
Answers with citations
FCRA §609, §611, §623 — the specific section that applies to your situation, not a generic summary.
Tells you when you don't have a case
If an item doesn't have legal grounds worth pursuing, Lex says so — and explains why. No false hope, no wasted letters.
Why Certified Mail
To compel a bureau to delete an item after 30 days of non-response, you need to prove two things: that the dispute was received, and exactly when the clock started. Without that proof, the bureau claims they never got your letter — and the statutory violation disappears.
USPS Certified Mail with Return Receipt creates a documented chain of custody: the date it entered the postal system, the date the bureau's agent signed for it, and a unique tracking number tied to that specific transaction. That's not a mailing receipt. That's evidence in a potential FCRA violation case.
A dispute letter without proof of delivery is a request.
A dispute letter with proof of delivery is a demand with a clock attached.
The $14.99 is the cost of turning a request the bureau can ignore into a legally enforceable demand they cannot.
The Alternatives Are Built to Fail
VS.
ChatGPT and general AI
Generic AI produces generic letters. e-OSCAR — the automated intake system the bureaus use — is specifically tuned to flag templated and AI-generated letters as "frivolous," letting the bureau dismiss the dispute without investigating.
General AI also hallucinates. FCRA §611(a) and §623(b) are not the same thing. They impose different obligations on different parties. A letter citing the wrong subsection is a letter that fails.
And when the 30-day window closes? ChatGPT doesn't know. It has no memory of your case. It cannot send certified mail. It cannot escalate to the CFPB. It is a text generator. Citely is a case management system.
VS.
Lexington Law and credit repair clinics
The clinic model charges $80–150 per month. The longer your case takes, the more money they make. They act on your behalf, explain very little, and have a built-in financial incentive to keep the process going.
Citely charges per action. When nothing is happening, you pay nothing. You see every letter before it's sent. You control every decision. The total cost of a fully managed dispute — from first letter to final escalation — is typically a fraction of three months at a credit clinic.
VS.
Credit Karma and free monitoring apps
Credit Karma tells you your score and shows you credit card offers. That is its business model. Dispute execution is not — it has none.
Citely does not show you your score. It does not suggest products. It has one function: identifying inaccurate or unverifiable information on your reports and forcing the bureaus to either verify it or remove it under federal law.
These are different products doing different things.
VS.
Doing it yourself
If you know which FCRA section applies to each item, what language avoids the "frivolous" flag, when the statutory deadline expires, what a legally acceptable reinvestigation response looks like, and what to do when a deleted item comes back — you don't need this.
Most people know something is wrong. They don't know any of that. Citely closes every gap.
Pricing
No subscriptions. No monthly fees. You pay per letter, per action. When nothing is happening in your case, you owe nothing.
ALWAYS FREE
Full Case Analysis
Everything you need to understand your reports before deciding to act.
No credit card required.
PER LETTER
PDF to Your Inbox
Full letter unlocked — you handle the mailing.
PER LETTER · RECOMMENDED
Certified Mail, Fully Managed
Citely handles everything. Proof of delivery included.
Each letter is priced independently. Dispute one item or twelve — pay only for what you send.
Why Trust This
Start Free
Upload your PDFs. See what's on your report that shouldn't be. Free to start — pay only when you're ready to act.
No subscription. No SSN required. No letter sent without your approval.
