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Self-help credit dispute and consumer-litigation software — plus debt settlement and credit building.

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28Solutio is a self-help platform, not a law firm. Information provided is not legal advice. We do not represent you or appear on your behalf in any court. Read the full disclaimer.

Available in 49 states + DC — Connecticut coming soon. Cancel anytime; all plans carry the 90-day results-or-refund and 30-day money-back promises. Your uploads are encrypted at rest (AES-256), and you can delete your documents — or your entire account — anytime from Settings.

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Blog

The 28Solutio Blog — FCRA Guides, Dispute Tips & Debt Solutions

Expert advice on legal documents, credit disputes, debt resolution, and best practices for protecting your interests.

Credit Dispute Guides

Learn how to dispute errors, understand your rights, and take action.

Guide

How to Read Your Credit Report

Understand the 4 sections of your credit report, what negative items look like, and how they affect your score.

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Guide

What Is the FCRA? Your Rights Explained

The Fair Credit Reporting Act gives you the right to dispute errors. Learn the key sections and real winning cases.

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Guide

How to Dispute a Late Payment

Step-by-step guide to disputing a late payment — who to write to, what to say, and the 30-day deadline bureaus must follow.

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