Credit Help Lab · National Platform

Every dollar you paid a credit repair company in advance was a violation of federal law. They owe you a refund.

Read that again. Then read 15 U.S.C. 1679b, the federal statute that makes it illegal for any person to charge money in advance for credit repair services. The FTC has enforced that law against more than 30 companies in the last five years. State attorneys general have launched their own enforcement initiatives. The industry you paid is built on a violation you didn't know existed.

You have a right to dispute any error on your credit report. The bureaus are required to investigate or delete within 30 days. You do not need permission. You do not need a middleman. You need the documents that force compliance. We built the platform that generates them under your signature, mailed by your hand, backed by your legal rights.

Access the Document Engine — $19/month

No advance fees. No monthly monitoring contracts. Cancel from your account at any time. You are the actor. We are the technology.

The credit repair industry charged you for something the law already gave you for free. Then they charged you again for nothing at all.

Consumers spend over $4 billion annually on credit repair companies. A meaningful percentage of those fees were collected in advance for services that federal law restricts.

$4B+

Collected in credit repair fees last year. The Federal Trade Commission has pursued enforcement actions against more than 30 credit repair companies in the last five years.

State attorneys general have active credit-repair enforcement initiatives. The pattern is consistent. The targets keep changing. The practice does not.

Your right to dispute items on your credit report directly is already federal law. Free. Always has been. You were never supposed to pay someone to do it for you.

Read that last sentence again.

What the Credit Help Lab Platform Gives You

A software platform. Not a service. Not a representative. Tools.

Federal Statute Library

Every federal consumer protection statute that governs your credit file. Filter by violation type, bureau, and remedy. Plain English. No law degree required.

Document Generator

Pick a violation. Fill in the details. Generate a ready-to-mail document. Customized to your specific account, not a generic template.

USPS Locator

Find the nearest Post Office with Certified Mail service. Address, hours, and route to the right window. CMRRR ready.

30-Day Calendar

Federal law gives the bureaus 30 days to respond. The platform tracks every day so you know exactly when to escalate and what to send next.

This Platform Is for You If

✓ You paid a credit repair company upfront and got nothing back.
✓ You signed a monitoring contract and the only thing that changed is the monthly charge.
✓ You looked at your credit report and saw items you know are wrong.
✓ You have been told your score cannot be improved. You do not believe it.
✓ You would rather read the law yourself than keep paying someone else not to.
✓ You read the fine print before you sign.

Three Ways In

No advance fees for any service. Federal law requires no less.

Monthly Access

$19/mo

Cancel anytime

Federal statute library
Document generator with templates
USPS Certified Mail locator
30-day response calendar
No credit reports required to start

Start Monthly

Or pay with PayPal

Or pay annually with PayPal

Complete Bundle

$497

One-time

Upload your three credit reports
System identifies federal reporting violations in your file
Customized dispute document per violation
Emailed bundle + download link
Nearest USPS locations for CMRRR mailing
Mail-by date calendar

Get the Bundle

Or pay with PayPal

Funding Friend

Capital Discovery

Separate product — credit repair not required

Find every grant, loan & program matching your profile
Grants, SBA loans, credit cards & state programs
Personalized matches surfaced automatically
No credit score minimums to start searching
Built for entrepreneurs and small business owners

Explore Funding Friend

Now Available

Funding Friend: Capital Discovery Tools for Our Members

Most people spend far more trying to find funding than they do fixing their credit. We do both.

Once your credit is clean, you need capital. Funding Friend finds every grant, loan, credit card, SBA program, and state funding opportunity that matches your profile. Our system surfaces the matches. You submit the applications.

Monthly

Full access, cancel anytime

$297 /mo

AnnualBest Value

Save $567/yr

$1,997 /yr

Choose your Funding Friend billing

Cancel anytime · Secure checkout via PayPal · No advance fees

Frequently Asked Questions

Is this credit repair?

No. Credit Help Lab is a software platform. We provide tools. You perform the actions. We do not mail letters, file disputes, or contact credit bureaus on your behalf.

Do I need a lawyer to use this?

No. The platform translates federal statutes into plain English with the relevant sections pre-selected for each dispute type. Most users complete their first generated document in under fifteen minutes.

How is this different from a credit repair company?

A credit repair company charges you to act on your behalf. We charge you for tools so you can act on your own behalf. The legal outcome you want — disputed items removed — is the same. The path is different. The cost is dramatically different.

How do the document generation tools work?

Pick a violation type from the library. Fill in the specifics of your account. The generator produces a customized document ready to print and mail. For the complete bundle tier, upload your three credit reports and the system identifies the violations automatically.

Can I cancel my monthly subscription?

Yes, anytime. No questions. Cancel from your account settings or reply to any billing email.

What happens if the credit bureau does not respond?

The platform tracks every response deadline. If a bureau fails to respond within the federal window, the calendar flags it and unlocks the next escalation document from the library. You stay in control of every step.

Is my information secure?

Credit reports you upload are processed and returned within the session. We do not retain credit report files after document generation is complete. Account data is encrypted at rest. See our Privacy Policy for full details.

What if I need help using the platform?

Email support@credithelplab.com. We respond within one business day. The platform is designed to be self-service; complex situations can be routed to a specialist.

Important: Credit Help Lab is a software platform and document-generation service. We are not a credit repair organization as defined by federal law. We do not perform credit repair services on your behalf, contact credit bureaus for you, mail documents for you, or act as your representative in any matter. We provide technology tools, statutory research, and document templates that enable you to exercise your own rights under federal consumer protection law. No attorney-client relationship is created by your use of this service. Individual results vary based on the facts of your specific situation.