1. Get your report and upload it
We point you to a tri-bureau report you can pull in minutes on your phone, then save it as a PDF and upload it here.
Fred Livai Financial · Credit Repair & Financial Services
Serious credit help for people whocan't afford serious prices
Start with a free, detailed credit audit — we read your report and show you every error holding your score down. Then dispute only what you choose for $9.95 per letter. No monthly retainer, no contract, no pressure.
Takes a few minutes on your phone. The audit is emailed to you at no cost.
If this sounds like you
You want your credit fixed. You just can't justify the price everyone else is asking.
- You were quoted a monthly retainer you simply can't carry right now.
- You've been told to "just wait seven years" for errors to fall off.
- You don't know which items on your report are actually inaccurate.
- You need approval soon — a car, an apartment, a mortgage, a business line.
We built this portal so the same work our private clients receive is available at a fraction of the cost — because the people who need accurate credit reports the most are usually the ones who can least afford to pay for them.
Get started
If this sounds like you and you're ready to get started, click here.
How it works
Three steps, starting free
2. Receive your free audit
We read every page and email you a detailed breakdown of each discrepancy — what's wrong with it and why it's disputable. Cost: $0.
3. Dispute only what you choose
Pick the items you want challenged. Each letter is $9.95. Mail it yourself for free, or let us mail it for you.
Every item on your report must meet four standards
Under the Fair Credit Reporting Act, anything reported about you has to be accurate, verifiable, complete, and current. If an item fails even one of these, it can be challenged — and your audit tells you exactly which ones do.
100% accurate
100% verifiable
100% complete
Reported timely
Priced for real budgets
No monthly retainer and no long contract. You pay $9.95 per dispute letter, only when you send one.
Confidential by design
Your report and ID documents sit in encrypted storage visible only to you and our dispute team.
Live pipeline visibility
Follow each dispute from submitted to in review, letter drafted, and delivered — with timestamps.
Concierge handling
Want a second set of eyes? Add a professional review of any letter for $10 before it goes out.
Questions
Straight answers before you start
Is the audit really free?
Yes. Uploading your report and receiving the full written audit costs $0, and you are never required to buy anything afterwards.
What if I can't afford a monthly program?
That's exactly who this is built for. There is no monthly fee here. A dispute letter is $9.95, and mailing it yourself is free.
Do I have to dispute everything at once?
No. Each letter covers up to five items, and you decide how many letters go out and when.
Can I do all of this from my phone?
Yes. Pulling your report, uploading it, photographing your ID, and tracking progress all work on a phone.
Frequently Asked Questions
Understand your rights and how the credit reporting process works
Your credit report should tell an accurate, complete, and fairly reported story. Consumers have rights when information does not meet applicable federal credit reporting requirements.
Legal disclaimer: Fred Livai Financial is not a law firm and does not provide legal advice. Information provided through this platform is for educational and informational purposes only. Results vary based on each consumer's individual credit profile and circumstances. We do not guarantee credit score increases, deletion of accounts, or any specific credit outcome.
No cost, no obligation
See what's wrong on your credit report today
Upload your report and we email you the full audit — free. If you decide to dispute, it's $9.95 a letter and you stay in control of every one.