Credit repair and guidancefor humans with our agents
Automate disputes, monitor progress, and guide every client with your credit repair playbook
Day 1
TransUnion
credit
monitoring
activated
Day 1-3
Review your
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experts
Day 5
Review your credit
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with our credit experts
Account Details
| Date Open | Name | Account Number | Balance | Credit Limit | Type | Status |
|---|---|---|---|---|---|---|
| 2025-10-16 | CREDITONEBNK | 5948 | $261 | $261 | Credit Card | Current |
| 2025-10-01 | CREDIT ONE BANK NA | 6866 | $261 | $261 | Credit Card | Current |
| 2025-10-01 | CRDTONEBNK | 5948 | $261 | $0 | Credit Card | Current |
| 2025-10-01 | SELFCRED_SP | 4858 | $547 | $547 | Secured | Current |
| 2023-08-15 | MEDICAL COLLECTIONS | 2941 | $3,450 | - | Collection | Collection |
| 2023-03-22 | VERIZON WIRELESS | 8832 | $892 | - | Collection | Charge-off |
| 2023-11-05 | STUDENT LOAN DEFAULT | 4521 | $12,350 | - | Student Loan | Default |
| 2024-02-10 | AUTO LOAN REPO | 9921 | $8,900 | - | Auto Loan | Repossession |
Hello, Alex
Here is your current credit score
Credit Factors
PlatformOther companies make you wait.
We put disputing in your hands.
Take control of your credit repair journey. Create custom dispute letters, track bureau responses, and watch your score improve—all powered by AI that learns what works.
ProcessFrom zero to dispute in 5 minutes
No credit repair experience needed. Our AI guides you through every step, ensuring you dispute like a pro from day one.
Import Your Report
30 secondsConnect your SmartCredit account or upload your report. Our AI instantly identifies every negative item affecting your score.
AI Analyzes Everything
InstantAdvanced AI examines each account, identifying errors, violations, and the best legal angles for removal based on FCRA, FDCPA, and FCBA.
Generate Dispute Letters
2 minutesChoose which items to dispute. AI crafts custom letters using proven templates and legal citations that get results.
Send to Bureaus
1 clickExport letters with pre-addressed envelopes or send electronically. We track certified mail and delivery confirmations.
Track & Win
30-45 daysMonitor responses in real-time. See deletions, updates, and score improvements. AI learns from every outcome to improve future disputes.
Ready to take control of your credit?
Join thousands who've improved their credit scores without paying expensive credit repair companies.
Start Free Trial"Sable Credit isn't just a tool; it's a game-changer for how I approach credit repair.
I went from feeling helpless to disputing like a pro in minutes. My score jumped127 pointsin just 3 months."
AI Letter GeneratorLegal letters that get results
Our AI crafts personalized dispute letters citing FCRA, FDCPA, and FCBA violations that bureaus can't ignore.
Custom for each item
Every letter is uniquely crafted based on the specific violation type, creditor, and your situation
Legal precision
Cites specific sections of FCRA, FDCPA, FCBA, and HIPAA that apply to your case
Bureau-tested language
Uses proven phrases and legal terminology that credit bureaus respond to
Frequently Asked Questions
Everything you need to know about taking control of your credit
- Absolutely! The Fair Credit Reporting Act (FCRA) gives you the legal right to dispute any inaccurate, incomplete, or unverifiable information on your credit report. Credit repair companies use the same laws - we just make it easier and more effective with AI-powered analysis and professional letter generation.
- Credit bureaus have 30 days to investigate disputes (45 days if you provide additional documentation). Most users see their first deletions within 30-45 days. The average user improves their score by 82 points within 3 months, though individual results vary based on your specific situation.
- Control, speed, and cost. Traditional credit repair companies charge $100-150/month and you wait months for results. With Sable, you generate disputes in minutes for a fraction of the cost. You see exactly what's being disputed, track responses in real-time, and our AI learns from thousands of successful disputes to optimize your strategy.
- No! Disputing items on your credit report does not hurt your score. In fact, successfully removing negative items can significantly improve your score. The only thing that matters is the outcome - if negative items are removed or corrected, your score will likely improve.
- You can dispute any negative item including collections, charge-offs, late payments, repossessions, foreclosures, bankruptcies, inquiries, and medical bills. Our AI analyzes each item for violations of FCRA, FDCPA, FCBA, and HIPAA to find the most effective dispute angles.
- Not at all! Sable is designed for people at any credit level. Whether you have poor credit (300-579), fair credit (580-669), or good credit (670+) looking to reach excellent, our platform adapts to your specific situation and goals.
- We use bank-level 256-bit encryption for all data transmission and storage. Your credit report data is never sold or shared with third parties. We're SOC 2 compliant and follow strict data protection protocols. You can delete your data anytime, and we never store your full SSN.
- This is where Sable shines. Our AI tracks all responses and automatically suggests next steps. If a dispute is denied, we help you escalate with stronger legal arguments, file complaints with the CFPB, or pursue other remedies. Our system learns from every response to improve future disputes.