⚠ READ THIS FIRST: Credit365 is a self-service software platform. You are the person disputing items on your credit report — we provide the tools, but every decision is yours. No outcome is guaranteed. Accurate information cannot be removed from a credit report, no matter how well the dispute is written.
Credit365 is a self-service technology platform that helps consumers generate and mail their own dispute letters under the Fair Credit Reporting Act (FCRA). We provide:
Credit365 is NOT:
We do not contact credit bureaus on your behalf. Every letter generated through Credit365 is submitted to bureaus in your name, with your explicit authorization (by clicking the Mail button for each dispute), and delivered by USPS to the bureau's published dispute address.
We cannot, do not, and will never promise that any specific dispute will result in the removal, correction, or update of any item on your credit report. Here's why:
You can dispute credit report errors for FREE, directly with the credit bureaus, without using Credit365 or any other service. You have the right under federal law to:
Credit365 exists because many consumers find it easier to use AI-assisted tools and certified mail tracking than to write and mail letters on their own. But nothing prevents you from disputing for free. You are paying us for convenience, not for any special legal power we don't have.
Letters drafted through Credit365 are generated by artificial intelligence (Claude, by Anthropic) based on the negative items in your credit report and the dispute reason you select. The AI uses common FCRA § 611 and § 1681s-2 language, but:
If information on your credit report is accurate and timely, it cannot be removed through any dispute process, and no service — including Credit365 — can change that. Specifically:
Credit365 is most effective for disputing information that is genuinely inaccurate, obsolete, unverifiable, or incomplete.
Credit365 charges the following per dispute:
Fees cover: AI letter generation, PDF rendering, USPS Certified Mail + Electronic Return Receipt (ERR) postage, tracking, and platform services.
NO REFUNDS AFTER LETTER GENERATION. Once the AI generates your dispute letter(s), fees are non-refundable. This is because generation, mailing, and certified mail postage are hard costs Credit365 incurs immediately and cannot recover. You have the opportunity to review every letter before clicking the Mail button. Please do so carefully.
Under FCRA, credit bureaus have 30 days (which can extend to 45 days if you provide additional information) to investigate and respond to each dispute. Credit365 has no control over bureau response times. Realistic expectations:
Total end-to-end timeline for a single dispute round is typically 30–45 days. Complex situations may take longer, and some disputes may require multiple rounds to resolve.
Some states (including California, Florida, New York, and others) have specific rules that apply to credit repair organizations and to software platforms like Credit365. Depending on your state of residence, you may have additional rights, notice requirements, or cancellation periods beyond what FCRA provides. If you reside in such a state, please review your state's Consumer Credit Laws or consult with an attorney in your state for guidance specific to your situation.
Nothing on the Credit365 platform, in any letter we generate, in our support communications, or in our user guide constitutes legal advice, financial advice, tax advice, or credit counseling. For advice specific to your situation — especially for significant financial decisions, active litigation, bankruptcy, or identity theft — please consult a licensed attorney, CPA, or credit counselor. The National Foundation for Credit Counseling (nfcc.org) provides non-profit credit counseling referrals.
If any items on your credit report are the result of identity theft, you have additional rights under FCRA and should also take the following actions in parallel with any Credit365 dispute:
Credit365 can help generate dispute letters for fraudulent accounts, but identity theft response extends far beyond what any dispute letter can do.
We may update these disclosures as laws change, as our service evolves, or as we learn from serving clients. The current version always appears at credit365.io/disclosure.html. Material changes will be communicated to active users by email.
Questions about these disclosures, your account, or a specific dispute: support@credit365.io