“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.
Due Process · FCRA · FDCPA · Civil Procedure
FCRA, FDCPA, and the Constitution all guarantee notice, hearing, and a fair decision. We turn those rights into automated workflows — dispute letters, validation demands, complaints, and default-judgment packets.
Constitutional protection
The Fifth and Fourteenth Amendments guarantee these rights when private parties or government actors threaten your property. Federal statutes — FCRA and FDCPA — extend the same architecture to consumer credit.
FCRA §1681g requires bureaus to give you copies of your file on request. FDCPA §1692g requires collectors to validate the debt within 30 days of first contact. No notice, no enforceable claim against you.
When a bureau ignores your dispute or a collector sues you, the court is your hearing. Pro-se procedure is enshrined — small-claims and civil divisions are designed for litigants without lawyers.
You can represent yourself. The Supreme Court has held that pro-se litigants must be liberally construed (Haines v. Kerner, 404 U.S. 519). We help you build the case — pleadings, exhibits, and prove-up packets.
Default judgment is the statutory consequence when a defendant ignores a properly served lawsuit. CCP §585(a) and its analogues across all 51 jurisdictions — judgment is entered as a matter of right.
In the product
Each phase of a credit-report or debt-collector fight is a separate due-process surface, with its own statute, its own clock, and its own fail state.
A 30-day clock begins when the bureau receives your written dispute. They must conduct a reasonable investigation and respond in writing. Silence or boilerplate answers are themselves a federal violation.
A debt collector that contacts you must — within 30 days of your written request — verify the debt or stop collection activity. The right to demand validation is the consumer's notice-and-procedure shield.
When a collector sues you, due process demands proper service, a defined answer window, and an opportunity to respond. When you sue them, the same rules run in reverse — and most defendants ignore the clock.
A fair decision doesn't require a trial. When a defendant is properly served and fails to answer, the court enters judgment as a matter of statutory right. That is the constitutional decision — on the merits as pleaded.
Avoid these errors
Most pro-se cases aren't lost on the merits — they're lost on procedure. Here's where consumers most often hand the bureau or collector a free pass.
You dispute, the bureau drags, and you forget when the window closes. Once it lapses without compliance, the violation is fixed — but only if you preserved the timeline.
Our deadline engine starts the clock the day certified mail is delivered and surfaces the next move before it expires.
Generic templates pulled off the internet trigger automated stall-and-recycle workflows at the bureaus. The dispute is recorded, but the investigation never happens.
AI generates a per-account, per-violation letter citing the specific FCRA section the bureau is on the hook for. No template language.
Without delivery confirmation, you cannot prove the bureau or collector received your dispute or validation request. The 30-day clock never legally started.
USPS certified mail with tracking and signed receipt — receipts stored in your case file as admissible audit trail.
When a collector sues and you don't answer, they win by default — the same mechanism that works in your favor against bureaus works against you here.
Upload the summons; we calculate your answer window, surface it on the dashboard, and help generate a response before the clock runs out.
When the defendant defaults, the court still needs declarations, damages math, and exhibits. Submitting CIV-100 alone doesn't produce a judgment — you need JUD-100.
We assemble the full prove-up packet from your case data so the judge has everything needed to enter judgment on first review.
Process
Every stage has a deadline, a form, and a next move. We track them all.
Drop in a credit report PDF or a collector contact letter. Our AI reads every account, balance, and disclosure for FCRA / FDCPA hooks.
Each item is flagged with the specific statutory section in play — FCRA §1681i, §1681n, FDCPA §1692e/g — and a case-strength score.
AI drafts a per-violation FCRA dispute letter, an FDCPA validation demand, or a small-claims complaint with pre-filled court forms for your jurisdiction.
USPS certified mail goes out, the deadline engine starts the clock, and we auto-flag the case for escalation the moment the window closes.
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.
Frequently asked