Start your analysis
Four steps. The first two are yours, and they're free. We can only read the reports you give us, so pull them before you pay, and pull them fresh.
Before you mail anything
What the green card is for, and when you can skip it
The statute never says 'certified mail.' A dispute counts when the bureau receives it, however it arrives. What certified mail and the return receipt actually buy, what the electronic version costs, and which letters can go with plain tracking.
The six who write here
Pen names and composites, disclosed on every author page. Every section of law they cite is on the sources page.
Step one: pull your reports (free, about 20 minutes)
Before you buy anything, download a PDF of each report, dated within the last 30 days. Use the "download" or "save as PDF" option on the report page itself. Screenshots, photos, and reports older than 30 days can't be read, and the 72-hour clock doesn't start until we have PDFs we can read. Files are limited to 25 MB and 250 pages each; a larger file is held for a manual read, we email you the same day, and the clock pauses until it's cleared.
Required for every package
Experian, Equifax, TransUnion. Free, every week, at annualcreditreport.com. Do all three in one sitting; the site walks you to each bureau in turn. On each report page, look for "Download" or "Print / Save as PDF" and save the file with the bureau's name.
Recommended for the Eight-File Package
Innovis, LexisNexis, ChexSystems, Early Warning, NCTUE. Each is free; some arrive by mail in a week or two. Request links and what each one is for are on the eight files. Order them today, buy when the three bureau PDFs are in hand, and send the rest as they arrive; we fold them in.
Tip: put the PDFs in one folder and name them by bureau and date. You'll upload them all at once in step three.
Step two: upload and see the preview (free)
Upload the three required PDFs. Your browser reads the text out of them and sends only that; the files never leave your computer. Within a minute you get the counts: how many items were reviewed, how many are identified for dispute, how many differ between bureaus, how many are accurate and should be left alone. No item names, no payment.
Upload your reports and see the preview
Already bought? The upload link on your confirmation page carries your receipt, so the package is matched automatically.
Step three: choose your package, with the preview in front of you
Every package reads line by line and marks each item dispute, verify-first, or leave alone. The difference is how many files, and whether the letters are drafted for you. Paid once; no subscription. Whatever you pay on a smaller package is credited toward a larger one for 60 days.
Page-One Read
Every name, alias, address and employer on your files, tagged yours or never yours, and the correction letter drafted for each one that was never yours. The first thing to fix, and the cheapest. You send it.
Choose the page-one read What it isThree-File Analysis
The read without the letters. Experian, Equifax and TransUnion compared line by line, every item marked with the reason, delivered as a written analysis you can take to your loan officer.
Choose the analysisThree-File Package
The analysis plus everything you need to act on it: 60-day plan, drafted letters for each item, tracker, and mailing instructions. You review, sign, and send.
Choose the packageEight-File Package
All eight files, including the ones the lender's vendor and the bank's fraud desk read: Innovis, LexisNexis, ChexSystems, Early Warning, NCTUE. Full package, same delivery.
Choose eight filesFounder's pricing: code FOUNDERS2026 takes $48 off, $699 instead of $747. It's filled in when you click.
Already had a package and the results are back? Round Two ($149) reads each results letter against the letter you sent, marks every item, builds the next list, and drafts the follow-ups. Available for 12 months after any package.
Not ready for a package? The Six Lines ($7) is the short guide to what makes a letter a dispute; The QualifyReady Handbook ($37) is the full do-it-yourself version in three acts, with the letter templates and calendars, in a digital edition and a print edition. Both are publications; neither reads your file, and both are credited toward any package for 60 days.
Step four: generation
Once you buy, generation starts from the reports already uploaded and the 72-hour clock runs from your last required upload. If you bought first, the confirmation page has the upload link. Your package arrives by email; every letter is yours to verify, sign, and mail. You send the letters. We prepare everything else.
All sales are final at purchase; see the refund policy. QualifyReady is a credit file analysis and document-preparation service. It is not a credit repair organization.