What you can learn and do here
Free guides, do-it-yourself tools, and plain facts about credit-builder loans. We don't do the work for you, we are not a law firm, and we are not a lender.
Learn first
Start by learning how it works
Read about your reports, your rights and your options before you pay for anything.
Available now: Free guides
Plain guides to your credit report and your rights. Learn how to read a report and dispute an error.
Read the guidesComing soon: Books
Books about credit reports and your rights as a consumer.
Coming soon: Courses
Courses on how credit works and how to manage your own.
Books and courses are not available yet, and there is no sign-up list. When they are, this page will say so.
Do-it-yourself tools
Each tool does part of the paperwork. You check the result, then you send it or file it yourself.
Dispute letters
Drafts a letter to a credit bureau, creditor or collector from the details you give it. If you choose, we print it and send it by USPS certified mail.
You choose what to dispute, check the letter, and approve it before it is sent.
One letter by certified mail: $35. Letters are also part of every plan.
See pricingDeadline tracking
Tracks the deadlines the law sets after you send a dispute. It reminds you as each one comes up.
You decide what to do next when a deadline arrives.
Included in every plan, from $28/mo
See pricingCourt document tools
Fills in court forms for California, Texas and federal FCRA cases. Sued over a debt? It can fill in your Answer for a California court or a Texas justice court.
You check each form, sign it and file it with the court yourself.
28Solutio is not a law firm. We can't give legal advice.
Included in every plan, from $28/mo
See the court document toolsIf you've been sued
Explains how to answer a debt lawsuit. It also estimates your deadline to respond, by state.
You check the deadline on your court papers and file your answer yourself.
Free to read. No account needed.
Read what to do if you've been sued
7-day free trial of Builder. No card needed. If you add a card, Builder costs $28 a month after the 7 days, until you cancel. If you don't, the trial ends after 7 days and you pay nothing.
Not available through 28Solutio: Credit-builder loans
A credit-builder loan can add payment history to your credit report, if the lender reports your payments. Our explainer covers how they work and what to ask before you borrow.
28Solutio is not a lender and does not make loans. You can't get a credit-builder loan through us.
How credit-builder loans workStart with what you need
The guides are free. The tools come with every plan.
7-day free trial of Builder. No card needed. If you add a card, Builder costs $28 a month after the 7 days, until you cancel. If you don't, the trial ends after 7 days and you pay nothing.