Honest Comparison
28Solutio vs Other Credit Dispute Services
See how AI-powered credit disputes with FCRA case law compare to DIY, traditional companies, and lawyers. We believe in transparency — including where others may be a better fit.
Credit Dispute Service Comparison
Side-by-side comparison of price, features, speed, and refund policies across all four options.
| Feature | Recommended28Solutio | DIY Do It Yourself | Traditional Credit Repair Co. | Lawyer Credit Attorney |
|---|---|---|---|---|
| Monthly Price | From $28/mo | Free | $79-$149/mo | $200-$500+/mo |
| Startup Cost | $39 down | Free | $50-$199 setup | $500-$2,000 retainer |
| AI-Generated Dispute Letters | ||||
| FCRA Case Law Citations | ||||
| Speed of Dispute Filing | 24-48 hours | Days to weeks | 5-15 days | 1-4 weeks |
| USPS Certified Mail | Built-in ($9.99/letter) | You handle it | Some include | Varies |
| Equifax Tradeline Reporting | ||||
| Credit Lines ($300-$99K) | ||||
| Disputes to Bureaus, Creditors & Collectors | ||||
| 24/7 Dashboard Access | Some | |||
| Score Simulator | ||||
| Debt Consolidation (Pay 28%, $100K min) | ||||
| Certified Mail Service | $9.99/letter | Not available | Not available | Included (higher fee) |
| 90-Day Results-or-Refund Promise | Varies | |||
| No Credit Check to Start | Most do not | |||
| Time Investment Required | Minimal | Significant | Low | Low |
Which Option Is Right for You?
Every situation is different. Here is an honest breakdown of when each option makes sense.
28Solutio
Best for most people.
- Want AI-powered letters with FCRA case law
- Need credit building + dispute in one place
- Want certified mail handled for you
- Have debt that needs consolidation or arbitration
DIY
Best if you have time and knowledge.
- Have plenty of time to research FCRA
- Only 1-2 simple items to dispute
- Comfortable writing formal letters
- No certified mail, no case law, no guarantee
Traditional Co.
Best if you want hand-holding.
- Prefer phone calls over dashboards
- Want a dedicated human advisor
- Usually template letters, not AI + case law
- Higher monthly cost, slower process
Credit Lawyer
Best for complex legal cases.
- Suing a creditor or bureau
- Identity theft or fraud case
- Most expensive option by far
- Slow — legal timelines are months, not weeks
Ready to take on the bureaus?
Start with a free 7-day trial. AI dispute letters, Equifax tradeline reporting, and certified mail — all from $28/mo + $39 down.