I paid $139.95 a month for almost a year and never saw a single letter.
That's the short version.
The longer one: I ordered my own credit report and found things on it that made no sense. Accounts that didn't add up. Balances that didn't match between bureaus. So I did what most people do, which is hire one of the big national credit repair companies.
Almost a year of monthly payments later, I couldn't tell you what they had disputed, why, or what the bureaus said back. I never saw a letter. I never saw a response. I saw a charge on my card every month and a dashboard that said "in progress."
Here's what I figured out, and it's the part that still bothers me. They weren't slow because disputing takes time. They were slow because slow is the business model. Dispute a couple of items, wait for the responses, dispute a couple more. Every round is another 30 days, and every 30 days is another payment. Your report has fifteen problems on it and they're working through them three at a time, out of your sight.
The waiting isn't a side effect. The waiting is the product.
So I built the thing I actually needed.
I've spent 22 years building software, and seven years before that as an Information Systems Technician in the Navy. So when I finally understood what these companies were doing, I did the obvious thing and started doing it myself. Anything a credit repair company can legally do, you have the right to do on your own. The FTC will tell you the same thing. What was missing was a tool that made it possible for someone with a full-time job and three reports to get through.
The hard part was never the letters. Letters are templates. The hard part is reading three bureau reports line by line and catching where they disagree, where an account is reporting something it shouldn't, where the same debt shows up twice under different names. That's tedious, detailed, pattern-matching work.
Which is exactly what AI is good at.
That's what Nerd AI does. It reads all three of your reports, compares every account across every bureau, and shows you what doesn't add up. It prepares the letters from facts you confirm. You read every one, decide what goes out, sign it, and mail it. There's no reason to do three at a time. Whatever you have grounds to dispute, you can dispute, all of it, in one round. And you see every word.
What we are and what we aren't
Dispute Nerds is software. We're not a credit repair organization, we're not a law firm, and we're not financial advisors.
We don't contact the bureaus, creditors, or collectors for you. We don't submit anything on your behalf. We don't guarantee deletions or score changes, because nobody can, and anyone who does is lying to you. Every letter in this product goes out because you read it, approved it, and sent it.
What we do is the analysis, the letter preparation, the tracking, and the reading of whatever comes back. $14.99 a month, and you're the one in control.
Why "Nerds"
Because the person you want looking at your credit report is the one who notices that Experian says $1,927 and TransUnion says nothing at all on the same account, and can't let it go until someone explains why.
That's the whole job. We read the fine print so you don't have to.
Founder, Dispute Nerds
Detroit, Michigan