Fluid • Self-Learning Automation
The algorithm that learns what actually deletes.
Fluid analyzes millions of data points to discover the most effective methodologies, instructions, and reasons for every bureau.
Trailing 12-Month Data
Performance Driven Intelligence
Fluid uses a 12-month rolling window of performance data to ensure it's always using the most effective strategies for the current credit reporting climate.
Live Analysis
Cross-Org Learning
The algorithm that learns from everyone.
Fluid analyzes every dispute across the Entire DisputeWell network, identifying the exact methodologies and reasons resulting in deletions.
Granular Methodology
It learns the specific instructions that trigger deletions.
Fluid doesn't just pick a reason; it learns the specific instructions and formatting for different account types and bureaus.
4.2M+
Accounts
1,200+
Orgs
12mo
Trailing
3-way
Bureaus
Disputes that run themselves
Set it up once, then let DisputeWell take over—pulling fresh reports, prepping disputes, and getting letters out the door while you focus on what matters.
Pick your schedule. We'll take it from there.
Tell us when you want disputes to run—days, times, timezone—and we'll handle everything else. Fresh reports, prepared letters, proper timing. All on autopilot.
Runs on your schedule
Daily, weekly, whatever works. Pick the days and time that fit your workflow.
Keeps reports fresh
Report getting stale? We pull a new one from your monitoring provider automatically.
Checks everything first
Timing, documents, addresses—we verify it all before anything goes out.
Skip the manual imports
Nobody wants to log into SmartCredit at 6 AM. DisputeWell grabs fresh reports automatically so you don't have to.
- Spots when reports are stale or missing
- Pulls directly from your monitoring provider
- Works with SmartCredit, MyScoreIQ, IdentityIQ
- Smart rate limits keep things smooth
Guardrails you can trust
We check timing, docs, and addresses before anything gets sent. No surprises, no mistakes.
- Waits 35 days between rounds
- Makes sure ID docs are on file
- Confirms mailing address is complete
- Stops at round 12 (then you decide)
You set the rules
Pick the days, choose your time, set your timezone. Letters only go out during business hours.
- Run on weekdays, weekends, or both
- Pick your preferred time (early bird or not)
- Works in any US timezone
- Letters mail during business hours only
Thousands of disputes processed • Letters out on time, every time • Fully hands-off
Dispute letters
The letters that get deletions.
Choose the right strategy for every dispute. DisputeWell generates both Metro 2 and Factual letters, so you can attack inaccuracies from every angle.
Metro 2 Letters
Target data furnishers directly with Metro 2 compliance disputes. These letters challenge reporting errors at the source—forcing creditors to verify or delete.
Factual Letters
Classic dispute letters that challenge inaccuracies with the bureaus. Cite specific errors, request investigation, and demand corrections under the FCRA.
