The full-stack credit repair platform.
This one is our personal favorite. Fluid can run your entire business. It has access to every end of the software, from onboarding to importing reports, disputing, scheduling disputes, and billing, and it can even tell you about your day and what needs to happen next. Ask it "what should we dispute next?" and it answers from your actual client data. Every move it makes runs on Applied Metro 2™, our standardized dispute methodology.
Fluid can prepare a full round end to end. Items selected, addresses resolved, letters drafted, queued for review.
Enroll a client once and Fluid preps each new round on cadence, or the moment a fresh report lands.
By default, you confirm everything. Nothing mails until you hit approve. Now, we have a yolo mode for when you trust fluid entirely and want to let it do absolutely everything for you.
Fluid records predicted against realized score gains and recalibrates for your business every round.
DisputeFlow lets you run the entire dispute process as one step. Pick the items and it builds compliant letters with the right reasons, instructions, and creditor addresses, ready to mail. Underneath is Applied Metro 2™, our standardized methodology: 48 compliance checks on every account, the right law cited for every claim, and a clear plan for how each round escalates.
Every account gets checked against 48 compliance rules from the 2023 CRRG, the manual the bureaus themselves report by.
Letters print, ship USPS, and report delivery back into the timeline. You never touch an envelope.
Equifax, Experian, and TransUnion, side by side every round.
If a bureau claims it verified something, the next letter demands proof of how. If they go silent, the next letter demands deletion. If an item sneaks back on, they get a formal reinsertion notice.
Every account, every methodology, every round leaves a trace. DisputeWell links dispute reason to account to bureau to outcome to score change, and Fluid reads the chain back to you in plain English. Every round stays on the record, so you can go back months later and review exactly what was disputed, with the reasons, instructions, and strategy behind it.
Fluid writes the round's reasoning in plain English, so you can read the why before you approve, and any time after.
Every new report diffed against the last. Deleted, updated, verified, reinserted, per bureau.
Every dispute an account has ever seen, with responses and status changes in one place.
Every account gets analyzed against consumer protection law and scored for how disputable it really is.
The CRM sees every client, lead, task, and conversation. It can always see the round each client is on, so the dashboard shows every score and every dollar without you asking.
Capture leads from public intake and convert them in one click. Bulk actions for everything else.
One inbox for every client conversation, internal and SMS, with unread counts.
Write a sequence once and it sends from your own domain, on schedule.
See which disputes actually moved the score, down to the item.
Connect Authorize.net, NMI, or Square and billing takes care of itself. Cards are stored by token, plans recur weekly or monthly, and clients pay right inside the portal.
Set a plan per client and it charges on schedule, retrying failures automatically.
Charge every outstanding invoice in one action.
Clients add cards and pay invoices themselves. Tokenized, never stored raw.
You decide who can charge and how much. By default, agents can't.
DisputeWell tracks what a regulated business has to prove. Evidence and contract term limits for all 50 states, CROA agreements that compute their own cancellation deadlines, and an audit trail behind every sensitive action.
Evidence readiness and contract term limits, state by state.
Required agreements and disclosures, with the cancellation deadline computed and stamped in.
Every sensitive action is logged with who, what, when, and before-and-after.
Owner, manager, agent, outsourcer, client. Each sees exactly what you allow.
Point DisputeWell at your DisputeFox account and it migrates your clients while you watch. Or drop a CSV. Try it out from Contacts, then Import.
Enter your instance URL and credentials. Clients, reports, and history come over with live progress.
Up to 5,000 rows with column mapping, duplicate policy, and a full error report.
SmartCredit and Credit Karma out of the box. More on request.
Report pulls pause for one-time codes and pick up right where they left off.
Your logo, your colors, your domain. Clients only ever see your brand, in the dashboard, the portal, and onboarding. Other companies charge thousands for this. It's included.
Clients sign in at your domain, watch their scores climb, and pay their invoices.
Design the steps, fields, agreements, e-sign, and payments yourself.
portal.yourbrand.com, provisioned automatically. A DNS wizard verifies it in minutes.
Design the front door. Preview it live on a phone and a desktop, then publish.
There are so many features, we're running out of room on the page…
But…
here they all are.
One-click report import · SmartCredit & Credit Karma integrations · Side-by-side bureau view · Cross-bureau discrepancy analyzer · Report history timeline · Round-over-round compare · Historical score back-fill
DisputeFlow wizard · 48 Metro 2® field checks · §611 / §623 statute routing · Dual-axis selection engine · Escalation ladder · MOV demands · Deletion demands · Reinsertion detection · FCRA 30-day round timers · Automatic outcome grading · Creditor address resolution · Secondary bureaus
20+ statute-cited templates · Round-tone escalation · Custom templates with live tokens · Per-letter edit & regenerate · Packetization · Tracked print & mail
The Fluid assistant, 60 real tools · Auto-prepare full rounds · Human approval gates · Automation scheduler · Visual workflow builder · Four-layer FCRA/FDCPA analysis · Self-calibrating score model
Unified contacts hub · Lead pipeline · One-click lead conversion · Public intake capture · 5,000-row CSV wizard · Bulk operations · Command palette
Client detail workspace · Command center dashboard · Persistable widget grid · Score tracking charts · Activity timeline · Outcome attribution
Global inbox · Two-way SMS · Portal messaging · Drip campaigns · DNS-verified sending identities · Notes · Tasks · Calendar widget
Branded client portal · Portal setup gate · Login page designer · Onboarding builder, 11 step types · In-house e-signature · Document center · Virus scanning · Self-serve data export & deletion
Authorize.net, NMI & Square · Tokenized card storage · Recurring subscriptions · Automatic retry · Invoices · Quick charge · Bulk charge · Portal payments · Charging guardrails
BrandKit light & dark · Theme studio · Score-gauge styles · Custom domains with DNS wizard · Naming conventions · Asset library
Five-tier roles · Outsourcer tier · Permission matrix · Tenant isolation · Audit trail · Encryption at rest · CROA agreements with computed deadlines · 50-state evidence dashboard · Contract term limits · Progress report PDFs · Credit analysis PDFs
DisputeFox one-click migration · Live migration progress · OTP-resume report pulls
That's everything.
