Built on the federal frameworks that protect you
What we do
Pick the service that fits — or stack them. All three share the same case data, the same deadline engine, and the same audit trail.
AI dispute letters citing FCRA case law, sent to all three bureaus. Plus an Equifax-reporting tradeline up to $99,000 — no credit check, 95% approval.
2,400+ disputes filed · 95% approval
Owe $100K+? We assume the debt for a 28% one-time fee. One payment, 30–90 days, debt-free. Powered by certified arbitration professionals.
89% success rate · $12M+ resolved
AI document generation, dispute responses, deadline tracking, certified mail. The full court-form library for FCRA / FDCPA violations across 51 jurisdictions.
48hr avg turnaround · FCRA-backed
Pro-se litigation toolkit
When the deadline lapses, we hand you the entire packet. Complaint, summons, civil cover sheet, fee waiver, proof of service — 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 — and surface the next move before the clock runs out.
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.