“Got 4 negative items removed and a $25K credit line in one month. The dispute letters cited specific FCRA violations I never would have found.”
SC
Sarah C.
Business Owner · Sacramento, CA
4 items removed
Self-help workflow used. Outcomes vary.
Pro-Se Litigation Platform · All 51 Jurisdictions
Default judgment is where most pro-se FCRA cases actually end. Defendants ignore the complaint, the answer window expires, and the court enters judgment — no trial, no jury, no lawyer required. We turn that statistical reality into a guided workflow: CIV-100, JUD-100, EJ-001, EJ-130.
What is default judgment
Default judgment isn't a loophole — it's the statutory consequence of a defendant ignoring a properly served lawsuit. Here's the mechanism, step by step.
Complaint and summons go to the defendant via process server or certified mail. Service is documented (POS-010), filed with the court, and the answer clock starts the day they sign.
Most don't. Bureaus and collectors handle thousands of pro-se filings — they triage by represented plaintiffs first, settle the loud ones, and let the rest expire. Their silence is your statutory opening.
When the answer window closes, you submit the Request for Entry of Default (CIV-100) and the prove-up packet (JUD-100) — declarations, damages math, exhibits. The court enters judgment without a trial.
Then comes enforcement. Abstract of Judgment (EJ-001), Writ of Execution (EJ-130), wage garnishment, bank levy. A judgment is paper until you collect — we walk you through that part too.
See the full packetBuilt on the federal frameworks that protect you
How it works
Every stage of a credit-bureau or debt-collector fight has a deadline, a form, and a next move. We track them all and walk you through them in plain English.
AI drafts letters citing FCRA/FDCPA, mails them certified, and starts the 30-day clock. We watch every deadline so you don't have to.
When the deadline passes — that's a violation. Pre-filled complaint, civil cover sheet, and service forms for California and Texas (other states in active rollout).
Most defendants don't answer. After their window closes, we assemble the Request for Default + Judgment packet — pre-filled and ready to file.
A judgment is just paper until you collect. We file the Abstract, the Writ, and walk you through wage garnishment so the money actually arrives.
Pursuant to 15 U.S.C. §1681i(a)(1)(A), this letter constitutes formal notice of dispute regarding the following inaccurate item on my consumer report:
Late payment reported by Capital One Bank, N.A. dated November 2024 — never occurred.
You have 30 days from receipt to investigate and respond. Failure to do so constitutes a willful violation under 15 U.S.C. §1681n, with statutory damages of $100–$1,000 per violation.
The dispute engine
We don't ship dispute templates. We generate a unique letter per account, citing the specific FCRA or FDCPA section the bureau or collector violated — then drop it in USPS certified mail with full tracking.
The court-form library
When the deadline lapses, we don't hand you a PDF — we hand you the entire packet. Complaint, civil cover sheet, summons, fee waiver, proof of service, all populated from your case data and matched to your county and state.
The deadline engine
Statutory windows are case-killers when missed. We track every FCRA investigation deadline, every answer window, every default-eligible date — across every defendant in every case — and surface the next move before the clock runs out.
Choose your path
Not sure? Most clients start with credit repair — it's the right starting point for the majority of situations. Pick one, or do both.
Got negative items? Late payments, collections, charge-offs? Upload your report, we handle the rest.
Pick a credit line from $300 to $99,000. No credit check. 95% approval. Every payment reports to Equifax.
Verified outcomes
Self-represented consumers using 28Solutio to enforce their FCRA and FDCPA rights — with the legal-framework receipts.
“Got 4 negative items removed and a $25K credit line in one month. The dispute letters cited specific FCRA violations I never would have found.”
Self-help workflow used. Outcomes vary.
“Equifax ignored my dispute. 28Solutio generated the small-claims complaint, walked me through service of process, and I won by default. $1,000 statutory damages.”
Self-help workflow used. Outcomes vary.
“I was paying $120/mo to Lexington Law for two years and got nothing. Switched here, did it myself for $28, and saw three accounts disappear in 60 days.”
Self-help workflow used. Outcomes vary.
“The deadline tracker is the killer feature. Every clock running on three bureaus, three creditors. I never had to remember a thing.”
Self-help workflow used. Outcomes vary.
“Filed a federal FCRA case using their packet. Settled for $4,200 plus attorney fees before answer. The complaint was airtight.”
Self-help workflow used. Outcomes vary.
“I run a small repair shop and three customers had collections show up wrong. We disputed them all from one account. Two gone in 30 days.”
Self-help workflow used. Outcomes vary.
The process
One letter. 30 days. If they don't fix it, we help you take legal action.
Download your free credit report from any bureau. Upload the PDF and our AI reads every account, balance, and negative item in seconds.
→ AI-powered analysisLate payments, collections, charge-offs, inaccurate balances — we flag everything that can be disputed and tell you the estimated score impact of removing each one.
→ Negative items identifiedWe generate demand letters citing FCRA and FDCPA case law, addressed to the bureau, creditor, or collector responsible. Sent via USPS certified mail with tracking.
→ Letters in the mailThe law gives them 30 days. If they don't fix it, don't respond, or send back a garbage response — Sue Smart generates your small claims complaint or AAA arbitration demand. $100–$1,000 per violation.
→ Sue or settleWhy 28Solutio
FCRA case law citations. Sent to all three bureaus. Not templates.
Bureau won't fix errors? We generate the lawsuit docs. $100–$1,000 per violation.
Equifax tradelines up to $99K. 95% approval. Payments build your score.
Equifax tradeline
Your credit builder payments report to Equifax as a tradeline. Pick a credit line from $300 to $99,000. No credit check. 95% approval.