FCRA §611 · DOCUMENTED REINVESTIGATIONS
Fair.
Verified.
On the record.
We read your credit reports, build a plan specific to your file, and document every letter where you can see it.
NO SETUP FEES · BILLED AFTER WORK IS PERFORMED · CANCEL ANYTIME
Every client sees this view. Every letter, every certified-mail number, every bureau response — kept.
FREE REPORT CHECKUP
What's actually on your report?
Check anything that applies. This is a quick self-check, not a credit pull — no login, nothing saved.
How it works
We pull all three reports
Secure, consumer-permissioned 3-bureau pull. No effect on your score. You verify your identity once.
Every item gets assessed
Collections, medical bills, charge-offs, late payments, bankruptcies, personal data — each item is classified and tested against the reporting rules that apply to it specifically.
You approve a plan built for your file
Not a template. A collection gets a validation strategy; a bankruptcy gets an obsolescence and verification-source strategy; a late payment gets a field-level audit. You see the reasoning and approve with one tap.
Letters go out — your choice how
We mail them for you (first-class or certified, tracked), or you print and mail them yourself. Either way every letter is specific to the item, written from your facts.
Responses tracked, next round ready
We re-check your reports on the legal clock — about every 30 days, not 45. Deleted items are logged. Verified items escalate: method-of-verification demands, direct furnisher disputes, CFPB complaint drafts.
Built against the industry's bad habits
The biggest names in credit repair earned regulatory judgments and hidden-fee complaints. Fairline is designed as the counter-example.
| AREA | Fairline | Typical services |
|---|---|---|
| Dispute letters | ●Written from your file's specific facts — a medical collection and a repossession get entirely different strategies | Template letters reused across customers — bureaus flag and deflect them |
| What you see | ●Full ledger: every letter PDF, mail tracking, bureau responses, per-item status | A progress bar and a monthly email |
| Dispute cycle | ●~30 days — the legal response clock, no padding | 40–45 day cycles that stretch your subscription |
| Pricing | ●One monthly price. Mail included. Billed after work is performed | Advertised price + required monitoring + per-letter mail fees |
| Escalation | ●Verified items auto-escalate: MOV demand → furnisher dispute → CFPB complaint draft | Same letter, re-sent |
| Honesty | ●We won't guarantee specific outcomes — federal law forbids it. What we will guarantee is the work: a strategy for every item, documented every step. | “Guaranteed deletions” |
IN OUR OWN WORDS
The standard we hold ourselves to.
We'll publish real client outcomes as they arrive — with consent, evidence, and the plain-English disclosures the FTC requires. Until then, these are our commitments.
“The biggest names in credit repair earned regulatory judgments for hidden fees and empty guarantees. Fairline is the counter-example — every letter, every response, every result kept on your ledger.”
“No one can remove accurate, timely information. Anyone who promises that is breaking federal law. What we can promise: rigor, documentation, and follow-through on the items that actually have a case.”
“A medical collection, a bankruptcy, and a late payment are three completely different problems. Fairline reads your file and builds the strategy each item deserves — not a template that fits none of them well.”
What we will never tell you
“We can remove anything.” No one can remove accurate, timely, verifiable information. Anyone who promises that is breaking federal law.
“You can't do this yourself.” You can — disputing is free. On our DIY plan we tell you exactly how; on our Mail plan we do the mailing for you. Either way, the letters and the ledger are yours.
“Results are guaranteed.” Outcomes depend on what's in your file. We show you our reasoning per item — including the ones we recommend leaving alone.
TWO WAYS TO WORK WITH FAIRLINE
Pick the level of help you want.
Same assessment. Same item-specific strategy. Same ledger. You choose who mails the letters.
NOT SURE WHICH ONE?
Fairline DIY
You print · we do the thinking
- ✓3-bureau reports, scores & monthly re-pulls
- ✓Full assessment + item-specific dispute plan
- ✓Every letter drafted for your file, ready to print
- ✓Certified-mail label templates + step-by-step send guide
- ✓Upload your mailing receipt → we log it on your ledger
- ✓Automatic escalations: MOV, furnisher, CFPB drafts
- ✓Cancel anytime · 90-day no-questions refund
Fairline Mail
We handle everything · you approve and watch
- ✓Everything in Fairline DIY, plus:
- ✓Letters printed and mailed for you — first-class or certified
- ✓USPS tracking numbers logged automatically
- ✓Bureau responses re-pulled and diffed on the legal clock
- ✓Zero trips to the post office
- ✓Priority support
- ✓Cancel anytime · 90-day no-questions refund
No charge until after your first month's work is performed — as CROA requires. Not sure which plan? Start with DIY and upgrade to Mail in one tap from your dashboard.