Mend Software

If $39.99/mo isn't in your budget right now, here's how to repair your credit for free:

Pull your reports at annualcreditreport.com — federal law, no card, no trial, 156 free pulls/yr
List every item you don't recognize, that's older than 7 years, or has wrong info
Write each bureau a dispute letter citing FCRA §1681i — they have 30 days to respond by law
If "verified," send a Method of Verification demand under §1681i(a)(6)(B)(iii) — 15 more days
Mail USPS Certified with Return Receipt (~$5 per letter)
That's the entire process. No software, no monthly fee, no credit repair "company" needed.

The full free guide with copy-paste letter templates → in comments 👇

We built Mend for people who'd rather the AI handle the legwork. But the legal rights are yours either way — and we'll never gatekeep the knowledge.

$1 can restart your debt's lawsuit clock.

If a debt is past your state's Statute of Limitations, the collector legally cannot sue you. It's "time-barred."

But if you pay ANYTHING on it — even $1 — most states say you've "revived" the SOL. Clock restarts. Now you can be sued.

Same trap applies to:
→ "Settling" for a partial amount
→ Setting up a payment plan
→ Disputing in a way that admits the debt exists

The right move on time-barred debt is usually nothing. Don't acknowledge, don't pay, don't negotiate. If they call, send a one-sentence SOL-expired notice.

Check YOUR state in 60 seconds (free, no signup, no email required) 👇

Lexington Law was fined $2,700,000,000 by the CFPB last year.

Not because credit repair is illegal — it's 100% legal under FCRA, FDCPA, and CROA.

But because of HOW they did it:

→ Charged $79–149/mo before delivering anything (CROA violation)
→ Sent the same 5 generic letters to everyone, regardless of report
→ Made cancellation phone-only with retention walls
→ Used misleading "+200 points guaranteed" claims

I built Mend because the legal framework is on YOUR side — and you can do this yourself, for $39.99/mo of software (not services). One-click cancel. No retention call. The AI picks the right letter for YOUR specific report.

Same federal rights. Same dispute outcomes. ~1/3 the price.

Want the playbook? 👇 in comments.

Mend — Software that teaches credit repair AI credit copilot that teaches you the process and drafts every dispute letter for you to mail. $39.99/mo · cancel anytime.

How Mend works in 30 seconds

Mend is software that teaches you the federal credit-repair process and drafts every dispute letter for you to mail. We just launched at letmend.com — free 30-second audit, no credit card.