Credit repair that doesn’t look like the rest.
Credloom pairs airtight compliance with AI-driven dispute automation. Transparent monthly plan, no prohibited upfront fees, and a case file you can hand to a regulator — or a lender.
Intake reply within one business day. No card required to talk.
Case file · CF-26-04812
- Account
- Midland Funding LLC
- Tradeline
- Collection · $1,742
- Reason
- Inaccurate balance — duplicate of paid tradeline
- Cite
- 15 U.S.C. §1681i
- Response due
- 30 days
Every dispute letter, response, and timestamp is saved to your audit-ready case file.
$0
Upfront fees
30-day
Bureau response window
FCRA
§1681i dispute framework
CROA
Conformed contracts
The approach
Two moats. One product. No shortcuts.
The credit repair market has roughly 69,000 operators and almost no differentiation. We compete on the two things that actually hold under enforcement scrutiny and client churn.
Moat 01 · Compliance
Airtight CROA and FCRA discipline
Conformed contracts, disclosures, and refund handling aligned to current FTC and CFPB enforcement priorities.
- No prohibited upfront fees — billing monthly, in arrears only.
- Right-to-cancel notice and itemized disclosures on every agreement.
- Refund handling that survives an enforcement sweep.
- Audit-ready case files: every dispute letter, response, and timestamp.
Moat 02 · Automation
AI-driven dispute automation
Generates and routes accurate disputes that compress cycle time without sloppiness.
- Auto-generated dispute letters grounded in bureau-side grammar.
- Real-time bureau tracking against Equifax, Experian, and TransUnion.
- Score monitoring with explainable deltas — not a vanity number.
- Personalized recommendations across revolving debt, collections, and reporting errors.
Who it’s for
Profiles other operators avoid.
First-time homebuyers
A clear path from denied mortgage to cleared tradelines before closing.
New Americans
Establish a U.S. credit history without inheriting someone else’s mistakes.
Post-bankruptcy
Re-enter the credit system on your own schedule, with reporting errors scrubbed first.
Gig and thin-file workers
Build profile depth when steady W-2 history is missing from the bureaus’ view.
Plans
Transparent monthly. No surprise fees.
CROA forbids upfront fees for credit repair services, and so do we. Every plan is billed monthly and cancellable in writing at any time.
Prices shown in USD. Final plan after intake review.
Starter
For thin files and first pull-throughs.
- One bureau round per month
- Score monitoring across all three bureaus
- Standard dispute letter generation
- Email support
Restoration
For active rewrites across revolving and collections.
- Up to three bureau rounds per month
- AI-prioritized dispute targets
- Goodwill and validation letter workflows
- Personalized action plan each cycle
- Live chat support
Complete
For full-scope rebuilds and partner-led clients.
- Unlimited bureau rounds per month
- Document review with licensed partner referrals
- Collections negotiation workflow
- Quarterly compliance review
- Priority queue, named case manager
Compliance, end to end
Built so you grow without becoming the next enforcement headline.
Every contract, disclosure, and refund path is conformed to current FTC and CFPB enforcement priorities.
- No upfront fees
- Written right-to-cancel
- Itemized disclosure of services
- Truth-in-lending where applicable
- Refund handling on cancellation
- Case-file retention ≥ 5 years
For partners
White-label credit restoration, your brand on top.
Attorneys, financial coaches, and credit counselors can offer compliant credit restoration under their own brand — without rebuilding the back office.
Talk to partnershipsStart your file
Send a sentence. Get an intake reply within one business day.
We respond personally — no chatbot, no high-pressure sales, no card-required signup.
Or email credloom-2@polsia.app — intake reply within one business day.