Dispute your credit report with the precision of a $10,000 attorney.
For ninety-seven dollars.
CreditMagna is a fully autonomous AI engine that ingests your bureau report, identifies every FCRA violation, and produces certified-mail ready dispute letters in under three minutes.
An attorney's workflow, distilled into software.
AI-Powered Extraction
Claude Sonnet 4.5 parses your bureau report end-to-end and classifies every negative item with FCRA-grade precision.
FCRA Violation Detection
Each item is mapped to its statutory dispute basis — §1681i, §1681s-2(b), §1681c — with the exact legal citations.
Print-Ready Letters
Per-item, per-bureau dispute letters generated as polished PDFs with bureau addresses and certified-mail blocks.
CFPB Escalation Packets
One-click escalation packets for the Consumer Financial Protection Bureau when bureaus stonewall.
Identity Theft Workflow
FTC affidavit + §605B block letters for fraudulent accounts — generated automatically when identity theft is flagged.
Zero Human Involvement
Your data never leaves the automated pipeline. No agents, no calls, no manual review. One-of-one infrastructure.
Four steps. No humans.
Every step is handled by the automated engine — from PDF parsing to letter generation. You print, sign, and mail. That is the entire workflow.
Upload your credit report
Pull a free SmartCredit or AnnualCreditReport PDF and drag it into CreditMagna. 25MB max.
AI extracts every negative item
Within seconds, every collection, late payment, charge-off, and inquiry is classified by bureau and violation type.
Letters generate automatically
One dispute letter per item, per bureau — drafted to FCRA standards with your consumer information pre-filled.
Print, sign, certify, mail
Download print-ready PDFs. Send via USPS Certified Mail with Return Receipt. Bureaus have 30 days to respond.
Ninety-seven dollars.
Lifetime access.
A single payment unlocks the full CreditMagna engine. Unlimited reports. Unlimited letters. Unlimited CFPB escalations. No subscriptions. No upsells. No agents.
- Unlimited credit report uploads
- AI extraction and FCRA classification
- Unlimited dispute letter generation
- CFPB escalation packets
- Identity theft workflow (FTC + §605B)
- Print-ready PDF downloads
Built for the
skeptical consumer.
Is CreditMagna a credit repair company?+
No. CreditMagna is a software platform. It is not a law firm and provides no legal advice. You are the consumer exercising your rights under the Fair Credit Reporting Act.
How long does the process take?+
Extraction and letter generation completes in under 3 minutes. Bureaus are legally required to investigate and respond within 30 days of receipt.
Why certified mail?+
Certified Mail with Return Receipt is the only legally-defensible proof of delivery. CreditMagna embeds the certified-mail block on every letter and supplies the mailing instructions.
What happens if the bureaus ignore my dispute?+
CreditMagna generates a CFPB escalation packet automatically. If identity theft is detected, an FTC affidavit and §605B block letter are also produced.
Is the $97 a subscription?+
No. $97 is a one-time fee for full lifetime access to your account, including unlimited reports and re-generation.