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Fix My Reports
Fix your credit reports yourself, the law is on your side
Find inaccurate, outdated, and unverifiable items on your Experian, Equifax, and TransUnion reports, and dispute them yourself, the right way. Fix My Reports is a self-service credit repair platform that pulls a customer's 3-bureau credit report, flags every inaccurate or unverifiable negative item, and generates personalized, FCRA-cited dispute letters, which customers review, print, and mail themselves.
**Fix My Reports — detailed description**
**What it is.** Fix My Reports (fixmyreports.com) is a self-service credit report dispute platform. It helps U.S. consumers find inaccurate, outdated, or unverifiable items on their Experian, Equifax, and TransUnion credit reports and challenge them *themselves*, exercising their rights under the Fair Credit Reporting Act. The structural principle — and the compliance moat — is that the platform never acts on the customer's behalf: it analyzes, prepares, and guides, but the customer reviews, signs, and mails every dispute letter personally. This DIY design deliberately positions the business outside traditional credit-repair regulation (CROA) and is the framing used consistently across the product, legal agreements, and merchant underwriting.
**Who it's for.** Consumers with damaged or error-laden credit files — collections they don't recognize, late payments reported wrongly, duplicate accounts, unauthorized hard inquiries, identity-theft artifacts, out-of-date derogatory items — who want lender-grade results without paying an agency $150+/month indefinitely or signing contracts.
**The customer journey.**
1. **Sign up** — email confirmation, then a 5-step onboarding wizard: personal info → payment ($1 verification, card saved for the subscription) → e-signed legal agreements (CROA disclosure, DIY service agreement, etc., rendered to signed PDFs) → ID documents upload (for bureau verification enclosures) → connect credit report.
2. **Report pull** — the customer links their monitoring account; the platform pulls their 3-bureau report automatically through the API (soft pull, no score impact). Every negative item is extracted and categorized: tradelines, collections, charge-offs, inquiries, public records, plus a Personal Info tab for name/address/employment mismatches.
3. **Analysis** — an auto-generated plain-English credit analysis after each pull: per-bureau scores and trend, revolving utilization, the ~14 most damaging accounts, statute-of-limitations flags, payment-history and credit-mix commentary, and prioritized next steps. Regenerated on every 45-day re-pull.
4. **Disputes** — the customer selects items to challenge; the system generates item-specific, FCRA-cited letters (§611 investigations, §623 furnisher duties, §605 obsolescence) referencing exact account numbers and dates — deliberately not template spam, which bureaus may dismiss as frivolous. The customer reviews, can edit, prints (single, merged PDF, or zip), and mails them.
5. **Tracking** — a dispute tracker follows each item through Letter Sent → Bureau Reviewing (30-day statutory clock) → Response Received → Resolved, with drafts/awaiting-mailing/under-review/resolved counts. Round 2+ escalation letters (method-of-verification, furnisher-direct) generate when items come back verified.
6. **The loop** — every 45 days the report re-pulls automatically, removals are reconciled, the analysis refreshes, and the next dispute round begins. Lifecycle emails run throughout: day-7 updates, day-21 response-due notices, unmailed-letter reminders, analysis-ready notifications, payment receipts and dunning.
**Client portal features.** Dashboard with 3-bureau score tiles and 6-month trend, dispute workspace, reports viewer, letters library, credit analysis, Credit Builder (partner tradelines), Budgeting and Banking sections (MyMoneyMyBudget and Relay-related referrals), referral program with tracked links, ID documents vault, account/billing self-service (update card, pause, downgrade, cancel — no phone tree), and guided walkthroughs. Public site includes the landing page with an interactive score-impact calculator, blog, and a "Credit 101" education library.
**Admin/agency side.** Client roster with statuses, assignments and roles (agency admin/staff), per-client dispute and letter management, report upload/parse fallback (PDF), test-charge tools, template management, referral oversight, blog CMS, and diagnostic panels for the credit-data integrations.
the FCRA citations baked right into each letter template is such a smart move, basically takes the guesswork out of disputing and makes the whole process feel way more legit.
honestly the bureau breakdown was way clearer than i expected, like it actually flagged an old collection i forgot about. wish the letter templates were a bit more customizable though.
About Fix My Reports on Product Hunt
“Fix your credit reports yourself, the law is on your side”
Fix My Reports was submitted on Product Hunt and earned 4 upvotes and 3 comments, placing #153 on the daily leaderboard. Find inaccurate, outdated, and unverifiable items on your Experian, Equifax, and TransUnion reports, and dispute them yourself, the right way. Fix My Reports is a self-service credit repair platform that pulls a customer's 3-bureau credit report, flags every inaccurate or unverifiable negative item, and generates personalized, FCRA-cited dispute letters, which customers review, print, and mail themselves.
Fix My Reports was featured in Fintech (47.3k followers), Money (4.6k followers) and Personal Finance (2.9k followers) on Product Hunt. Together, these topics include over 26.8k products, making this a competitive space to launch in.
Who hunted Fix My Reports?
Fix My Reports was hunted by Yasar Daglar. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
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Yasar Daglar