Sniper
$69 per month
25 credits per month
Focus on the accounts hurting your credit report most.
- FCRA and arbitration analysis
- Bureau-specific dispute letters
- Dispute reasons and legal references
- Print-ready PDFs and response tracking
No retainer. No runaround. Your report, your choice.
Find FCRA violations and inaccuracies it can detect, documented and ready for a dispute or arbitration if you need it.
Free analysis. No account needed.
Works with PDF credit reports from AnnualCreditReport.com.
Demo uploads are retained for up to 24 hours, then deleted automatically.
Upload one supported PDF from AnnualCreditReport.com. Report Recon checks each account for potential factual inconsistencies, such as duplicate collections or conflicting balances and statuses. It names the field so you can compare it with your records.
Illustrative example, not a customer result.
Review this field against your records before you dispute it.
Dispute categoryBalance or amount past due
The tradeline says the account is closed and paid in full but also reports $2,450 past due. That internal inconsistency should be checked against the member’s records.
What happens next
Once you dispute the balance, the bureau has to look into it again and correct or delete anything it cannot verify.
Compare report sources, fees, and who sends each dispute. Report Recon checks one supported report for potential errors. You review, sign, and mail each letter yourself.
| Capability | Report Recon | Credit repair companies | Bureau online disputes |
|---|---|---|---|
| Where the report comes from | A PDF from AnnualCreditReport.com, one bureau at a time . No monitoring subscription | Check which reports and subscriptions the service requires | That bureau's own file, one bureau per portal |
| What you pay | Plans from $69 a month, cancel any time . You keep every letter | Check the fees, billing schedule, and cancellation terms | Free to file a dispute |
| How disputes are sent | Letters you review, sign, and mail yourself by USPS Certified Mail . Sent in your name | Check who prepares and sends each dispute | An online form under the bureau's terms; the bureau runs the review |
| How the dispute reason is stated | Each finding names the disputed field and supporting evidence . Specific factual basis | Ask how the service uses your records to explain each error | Dispute reasons and supporting details entered in the form |
Plans include credits for analyses and dispute letters. You review, sign, and mail each letter yourself.
$69 per month
25 credits per month
Focus on the accounts hurting your credit report most.
$197 per month
100 credits per month
Work every account without account or letter allowance caps.
Credits roll forward within the billing cycle.
Learn what happens after you upload, what costs credits, and what the software can do.
Report Recon scans your credit report for potential reporting problems such as inaccurate balances, incorrect account statuses, late-payment reporting errors, duplicate accounts, outdated accounts, and potential FCRA issues.
No. You can upload a PDF credit report for a free analysis without creating an account. Create an account when you want to keep your work, generate dispute letters, and manage your dispute activity.
Yes. Choose findings to include in a bureau-specific dispute letter with supporting details and relevant legal references. Download the PDF, review it, sign it, and mail it yourself.
Report Recon never contacts the bureaus for you. Each letter is drafted from the findings you selected on your own report, and you review it, sign it, and mail it yourself, in your own name and from your own address. Bureaus sometimes answer reused form letters with a notice asking whether someone else is disputing on your behalf. A letter built from your own report and your own records is not a reused form.
Upload one bureau PDF from AnnualCreditReport.com. Report Recon analyzes it and helps draft bureau-specific dispute letters. SmartCredit and IdentityIQ support is planned.
Report Recon checks for factual credit-report inaccuracies, including wrong balances, account statuses, late payments, duplicate accounts, and outdated entries. You can use these findings to dispute errors and seek correction or deletion. Arbitration Analysis reviews the records in more depth to help prepare for a dispute or arbitration.
Report Recon uses demo uploads to run the analysis and deletes them within 24 hours. For saved work, review the privacy and retention terms before uploading sensitive documents.
Paid plans grant credits each month. Actions such as credit-report analysis, dispute-letter generation, and escalation use a fixed number of credits so you can understand usage before you act.
Sniper includes up to 5 selected accounts and 3 dispute letters for each credit profile during its billing period. Each selected account counts once. Pro has no account or dispute-letter allowance caps. Credits remain the usage limit.
FDCPA analysis is not available in this launch. Today, Report Recon focuses on factual credit-report inaccuracies, traditional disputes, and Arbitration Analysis.
AI credit dispute software reads accounts in credit report files, such as AnnualCreditReport.com PDFs, and checks for factual errors. It flags conflicting balances, account statuses, and late-payment records, then drafts bureau-specific dispute letters with relevant Fair Credit Reporting Act references.
No. Report Recon analyzes official credit report disclosures downloaded directly from AnnualCreditReport.com. You do not need an active or recurring credit monitoring subscription to run analyses or generate dispute letters.
No. Under federal law, including the Credit Repair Organizations Act, no software or credit repair provider can guarantee deletions, score improvements, or specific dispute outcomes. The software helps you identify factual reporting errors and organize statutory dispute packages.
No. Report Recon is a self-help tool and does not provide legal advice, practice law, or create an attorney-client relationship.