Consumer-controlled software
Your report becomes a record you can work through.
DearBureau organizes a credit report into items to review, questions to answer, evidence to keep, and correspondence you control. It does not act on your behalf or decide that an item is wrong.
Reviewed
Start with the source document
Bring in a report you are entitled to review.
Connect a supported source or upload a credit-report PDF you already have.
Connected source
IdentityIQ
Use an existing account under your direction so the report can be retrieved and organized in your workspace.
Connected source
CreditHeroScore
Connect an existing account you control. CreditHeroScore is a report source—not one of the three nationwide bureaus.
Your own file
Credit-report PDF
Upload a report you already have. Keep the source and report date visible so later comparisons stay grounded.
Four visible stages
Move from report facts to a documented decision.
Each stage leaves something you can inspect. Continue only while the record supports it.
Read the report
See accounts, collections, inquiries, and personal information in a more workable structure.
Check the facts
Compare a finding with what you know and the statements, confirmations, or other records you already have.
Review the draft
Answer guided questions, attach useful evidence, and read every word of any correspondence prepared in your workspace.
Keep the follow-up
Choose whether to send, then keep delivery, replies, and dates with the original report item.
Who controls what
Software does the organizing. You make the decisions.
The boundary is part of the workflow, not a disclaimer added at the end.
- Possible findings
- DearBureau can point to an item worth checking. A finding is not a conclusion that the information is inaccurate.
- Evidence
- The workspace can keep records together. You decide whether a record is relevant and whether it supports your position.
- Correspondence
- DearBureau can prepare editable language from the facts you provide. You read, change, approve, download, mail, or skip it.
- Outcome
- DearBureau does not promise a deletion, correction, score change, response, or timing. The recipient evaluates the information it receives.
See before you subscribe
Preview report findings for free.
Import a supported report and preview the findings without a card. Pay only if you continue into the guided workspace.
Report findings preview
$0Add a report and see the initial list of items worth checking.
Guided workspace
Questions, evidence, editable letters, downloads, and deadline tracking.
Optional mailing
$12.99Per approved mailing item for printing and USPS Certified Mail tracking, only for a letter or package you approve and order.
The useful stop condition
If the facts do not support action, stop.
Accurate information does not become inaccurate because it is negative. DearBureau is not designed to manufacture a reason to send a letter or to keep activity going for its own sake.
Check the record
Primary sources
Government and official sources behind the factual guidance on this page.
- Consumer Financial Protection Bureau How to dispute an error on your credit report
- Federal Trade Commission Disputing errors on your credit reports
The report comes first
See whether there is anything worth working through.
Start with a supported report. See the findings free, then decide whether the guided workspace is useful.
Start free reviewNo credit card for the findings preview · No score or removal promise