AI Credit Report Audit & Dispute
AI-Powered • 30 Second AnalysisBanks Make Mistakes.
Take Back Your Score.
79% of credit reports contain errors. Our AI finds them for free, and fights them for you. Just $9.99.
🇺🇸 Designed for US credit reports (Equifax, Experian, TransUnion)
- AES-256 Encryption
- No Data Storage
- 30-Second Analysis
Price and Time Comparison
Lawyers charge $150+/hour
Expensive and slow
Credit agencies take months
Bureaucratic delays
Valubo: 30 seconds, $9.99
Fast, affordable, effective
What Our AI Finds
Our AI scans every line of your credit report, hunting for errors that hurt your score and violations that break the law.
Zombie Debt
Debts too old to be legally collected, but still haunting your report.
Balance Errors
Inflated balances and incorrect amounts hurting your score.
Incomplete Info
Missing required legal data that creditors must provide.
FCRA Violations
Potential Fair Credit Reporting Act violations you can dispute.
How It Works
Free to scan. Pay only when you're ready to fight back.
- FREE
Upload Your Report
Securely upload your credit report PDF from any bureau.
- FREE
AI Analyzes
Our AI scans for violations, errors, and disputable items.
- FREE
View Results
See exactly what's wrong and what you can dispute.
- $9.99
Get Dispute Letters
Download legally compliant letters ready to send.
Not Just Analysis. A Legal Weapon.
Your $9.99 gets you professionally drafted dispute letters that demand action under federal law.
DISPUTE LETTER
FCRA Section 611 Compliant
Re: Dispute of Inaccurate Information
"Pursuant to FCRA Section 611, I demand that you investigate and delete the following unverified items..."
- Cites FCRA Section 611
- Demands deletion of unverified items
- Ready to mail to all 3 bureaus
- Professional legal formatting
Each letter is personalized with your specific dispute items and sent to Equifax, Experian, and TransUnion.
Unlock Your Dispute Power
Free to analyze. Pay only for your dispute package.
$150+ Lawyer Fee → Just $9.99
💯 30-day quality guarantee. If our analysis is flawed, full refund.