3 ways to audit · see findings before you pay
Denied for the mortgage. Denied for the car. Meet Mend.
Mend is software that teaches you the credit-repair process and automates the tedious parts. We help you read your reports the way an FCRA auditor would, draft the right dispute letter for every inaccurate item, and hand you a print-and-mail-ready PDF with the bureau's address and certified-mail instructions. You read every letter, sign every letter, and drop it at USPS yourself. ~$5 in postage. You stay in command of your credit; we just make it 10× easier.
Illustration · the score climb possible when inaccurate items get removed
Day 1
After 6 months on Mend
Individual results vary. Score change depends on how many disputable items exist on your report and how the bureaus respond.
What your free audit reveals
Drop your report.
Mend tells you exactly what to fight.
In 30 seconds, Mend reads every line and surfaces six categories of disputable items most consumers miss.
Every collection vulnerable to debt validation
Mend flags every collection where the original creditor is missing, where the agency can't prove chain of title, or where the debt is past your state's statute of limitations.
Medical collections under $500
Per the 2023 bureau policy, these can't be reported at all. Mend identifies every one and drafts the removal letter that cites the exact rule.
Every item past the 7-year reporting limit
Bureaus often leave them on by mistake. Mend cross-checks each negative against §1681c and demands deletion.
Re-aged accounts
When the date-of-first-delinquency has been improperly updated to extend the reporting window. Federal §1681c(c) violation. Mend catches it.
Late marks on accounts you eventually paid
Strong goodwill candidates. Mend ranks them by your tenure with the creditor and drafts the right tone.
Hard inquiries you didn't authorize
Every hard pull in the last 24 months gets cross-referenced against your credit-application history. Unauthorized ones go straight to dispute.
All findings come with the federal-law citation that applies. You see every recommendation before anything ships.
Good afternoon, Jane
Your credit is +22 this month
EQ
641
↑ 8
EX
652
↓ 3
TU
657
↑ 14
12-month trend
+63 YTD
Mend is working on
Approval inbox
5 actions waiting
Midland Funding collection appeared
$1,247 · originally Comenity Bank · sold March 2024
+30-55 pts if removedSynchrony returned 'verified' — MOV drafted
TransUnion +14 this week
Drafted letter · review & approve
Midland Funding · debt validation
To: Midland Funding · Equifax
Jane M. Doe
123 Main Street
Austin, TX 78701
May 28, 2026
Midland Funding LLC
P.O. Box 60578
Los Angeles, CA 90060
Re: Formal Debt Validation Request
I am responding to your communication regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. §1692g, I am requesting that you provide verification of this alleged debt…
Meet Mend
The software built to teach
what Lexington Law charges $99/mo to hide.
Mend helps you read your credit reports the way an FCRA attorney would, identifies every disputable item, picks the exact federal-law ground that applies, drafts the letter for you, and hands you a print-and-mail-ready PDF — bureau address, certified-mail instructions, the works.
You print it, sign it, drop it at USPS for about $5 in certified mail. When the bureau stalls with "verified," Mend already has your Round 2 letter drafted. Then Round 3. You stay in command of every decision and every send. The software doesn't get tired and doesn't forget — but the action is always yours.
24/7
Always watching
30s
Drafts per letter
15
Letter types
The real cost of bad credit
You're not paying $30 a month.
You're paying $30,000 in interest.
Slide the bar to your current score. Mend will show you what your future credit is worth in real dollars.
What a climb to prime credit is worth
Slide to your current score:
We compare against a 740 — the threshold where lenders give you their best rates.
Target · prime credit
740
Mortgage payment
$300K · 30-yr fixed
Auto payment
$28K · 5-yr
That's 498× over what a full year on Mend ($359.88) would cost you.
APR sources: Freddie Mac PMMS · MyFICO loan-savings tables · individual rates vary
Free audit · 30 seconds · no card
Why Mend works — the law backs every letter you send
Your rights are real. Mend is the tool that uses them.
30 days
Bureaus have 30 days under §1681i to investigate every dispute you mail. Miss the deadline = mandatory deletion.
~30% of reports
Have material errors, per the CFPB's most recent consumer credit report accuracy study. Errors mean disputable items.
$1,000+
In statutory damages per violation under FCRA + FDCPA if a bureau or collector ignores procedure. Mend documents every step for you.
Sources: 15 U.S.C. §1681 · 15 U.S.C. §1692 · CFPB Consumer Credit Report Snapshot
A typical 6 months on Mend
Watch each negative get its own dispute.
Illustration · not a real customer file
- Midland FundingEquifax
$1,247 collection · disputed
- Synchrony BankExperian
$3,200 charge-off · MOV round 2
- Capital OneTransUnion
30-day late mark · goodwill mailed
- HCA HealthcareEquifax
$387 medical · under-$500 rule
- Credit One inquiryTransUnion
Unauthorized hard pull · disputed
6 mo
- Midland Funding✓ Removed
DELETED · couldn't validate
- HCA Healthcare✓ Removed
DELETED · under-$500 rule
- Credit One inquiry✓ Removed
DELETED · unauthorized
- Capital One late mark✓ Removed
DELETED · goodwill granted
- Synchrony charge-offIn flight
Round 3 · 609 in flight
How Mend works
Mend never sleeps.
You stay in control.
- 1
You connect or upload
One-time OAuth with the three bureaus via Array — or just drop your annualcreditreport.com PDF into Mend's audit page. Free either way.
- 2
Mend audits, you review
Mend reads every line of every report, ranks each disputable item by score impact, and identifies the exact §1681 ground that applies. You see everything.
- 3
You tap Approve
Findings land in your inbox: 'Capital One marked you 30 days late — Mend's drafted a goodwill letter.' Tap Approve. Edit if you want.
- 4
You print, sign, and mail certified
Mend hands you a print-ready PDF with the bureau's address and exact certified-mail instructions. Drop at USPS — ~$5 in postage. The 30-day clock starts at delivery.
- 5
Mend tracks and escalates
Upload the bureau's response (or just wait). Mend reads it, drafts your next round automatically. Round 2 MOV. Round 3 §609. Round 4 FCRA violation notice. You print and mail each one.
Midland Funding collection detected on Equifax · validation drafted
2 min ago
Bureau response received · item DELETED · +42 points
8 min ago
Round 2 MOV mailed to Experian for Synchrony charge-off
14 min ago
Goodwill letter approved · Capital One late mark · queued
23 min ago
Weekly pull complete · TransUnion +14 points
31 min ago
Unauthorized inquiry from Credit One · dispute drafted
44 min ago
Medical collection under $500 detected · auto-removable
1 hr ago
Round 3 §609 documentation request mailed to Equifax
1 hr ago
Midland Funding collection detected on Equifax · validation drafted
2 min ago
Bureau response received · item DELETED · +42 points
8 min ago
Round 2 MOV mailed to Experian for Synchrony charge-off
14 min ago
Goodwill letter approved · Capital One late mark · queued
23 min ago
Weekly pull complete · TransUnion +14 points
31 min ago
Unauthorized inquiry from Credit One · dispute drafted
44 min ago
Medical collection under $500 detected · auto-removable
1 hr ago
Round 3 §609 documentation request mailed to Equifax
1 hr ago
Example of what Mend's live activity feed looks like
A real Mend letter
This is what Mend drafts for you.
Every word, every citation.
No black box. The letter Mend drafts is the letter you print, sign in ink, and drop at USPS for Certified Mail (~$5). You stay the legal sender on every send.
Your real name, address, DOB, last-4 — pulled from your profile once. Never re-entered.
The right bureau's mailing address. Mend knows all six (Equifax, Experian, TransUnion, plus the consumer dispute centers).
The exact federal statute that backs your dispute — Mend picks it per item, not per template.
USPS Certified Mail with electronic return receipt. Your green card uploads back to your dashboard.
Mend vs the field
Mend is the only one that
does the work and shows you everything.
| Mend | Lexington Law | Self / Kikoff | Credit Karma | DIY | |
|---|---|---|---|---|---|
| Monthly price | $29.99 | $99.95+ | $15-25 | Free | $0 + postage |
| AI-drafted letters per item | — | — | — | — | |
| Bureau monitoring (all 3) | — | — | |||
| You see every letter before it ships | — | — | — | ||
| Mails letters certified for you | — | — | — | ||
| Auto-escalates to MOV / §609 / FCRA notice | — | — | — | — | |
| Charges only when work happens | — | — | |||
| CFPB enforcement history | None | $2.7B fine 2023 | None notable | None | — |
| You stay legal sender (CROA-safe) | — | — |
Pricing and capability data as of May 2026 from each provider's public website. Mend's $29.99/mo is the founding-member rate for the first 50 signups.
Three reasons to start today, not next month
The longer you wait,
the more it costs you.
Founding pricing closes
42 spots left
The first 50 members lock $29.99/mo for life. Once those spots are taken, the price goes to $49.99/mo — and locks there for the standard tier.
The FCRA 7-year clock keeps ticking
Time is on your side — but only if you start
Most negative items roll off at 7 years from first delinquency. Every month you delay disputing the wrong ones means more interest paid at subprime rates.
Interest savings compound from day one
$30K/yr typical
The moment a removed collection bumps your score into a higher band, every revolving balance accrues at a lower rate. You're losing money every month you stay in subprime.
Free audit · no credit card · 30 seconds
Mend vs. Lexington Law
The same outcome. A third the price.
None of the fines.
Lexington Law was the biggest name in credit repair for 20 years. The CFPB fined them $2.7 billion in 2023 for charging customers before delivering services and making misleading marketing claims. Mend was built to be the opposite of everything Lexington did wrong.
| Lexington Law | Mend | |
|---|---|---|
| Price | $79–$149/mo regardless of action | $39.99/mo flat ($29.99 founding) |
| Letter quality | 5 generic templates, same to everyone | AI reads YOUR report, picks the right letter per item |
| Transparency | Black box — you don't see what they send | Every letter shown to you before you mail it |
| Who's the sender | Lexington signs (acts on your behalf) | YOU sign and mail (you stay in control) |
| Cancellation | Phone call required, retention wall | One click in your profile, no questions |
| Regulatory record | $2.7B CFPB fine, 2023 | Clean — software model, no enforcement actions |
| Typical engagement | 6–24 month average | First letters mailed within 24 hours |
| What you pay for | Their services (CROA-regulated) | Software subscription — you do the sending |
| Refund policy | Restricted, must request specific way | 14-day money-back, email and done |
| Per-letter cost | Bundled (you can't tell what you're paying for) | $5 USPS certified mail, paid by you directly to USPS |
Why this matters
The CFPB's 2023 case against Lexington wasn't about what they couldn't do. It was about how they did it — charging up front, hiding the actual work, making promises they couldn't keep. Mend operates as software you use to exercise your federal rights. You are the sender. You see every letter. You pay only for the tool, not for services. That structure is what keeps Mend on the right side of every law that brought Lexington down.
Source: CFPB v. Progrexion / Lexington Law, 2023 · $2.7 billion judgment.
The Mend promise
If Mend doesn't find at least 3 disputable items on your audit, you owe us nothing.
The audit is always free. If Mend can't make a case for at least three disputes against your report, don't subscribe. The audit alone has value — keep it, walk away.
Pricing
The first 50 members lock Mend in at $29.99/mo for life.
After founding membership closes, Mend's regular rate is $49.99/mo. Founding members never pay more — locked in as long as you stay subscribed.
Founding Member
Locked in for life · first 50 members only
- →Unlimited AI audits — upload as many reports as you want
- →Mend monitors all three bureaus (Equifax, Experian, TransUnion)
- →Push alerts the moment Mend detects a new ding
- →All 15 dispute letter types — drafted, formatted, ready to print
- →Step-by-step certified-mail instructions per letter (~$5 USPS postage, paid directly)
- →Full dashboard, timeline, and dispute pipeline
- →Cancel any time — no contract, no commitment
Standard (after founding)
Available after the founding 50 are taken
- →Same features as Founding Member
- →Same letter library, monitoring, alerts
- →Same Mend capabilities
- →Standard rate — adjusts with pricing changes
Mend is a software subscription for credit monitoring, AI audits, and dispute-letter drafting. We teach you the process and automate the tedious parts — but you read every letter, sign every letter, and mail every letter yourself. You are the legal sender of every communication; Mend does not act on your behalf, does not contact bureaus or creditors for you, and does not guarantee specific score outcomes. Mend is not a credit repair organization. Postage (~$5 USPS certified mail per letter) is paid directly to USPS and not included. Individual results vary.
The honest version
What Mend is — and what it isn't.
The credit-repair industry is built on companies that promise to fix your credit FOR you. Most of them get fined for it. Mend works differently — and we want you to know exactly what you're buying.
✓ What Mend does
- •Teaches you your federal credit-repair rights (FCRA, FDCPA, CROA) in plain English
- •Reads your credit reports the way an FCRA auditor would — identifies every disputable item
- •Drafts the right letter for each item, citing the exact federal statute that applies
- •Tracks 30-day deadlines and organizes your disputes so nothing falls through the cracks
- •Watches all 3 bureaus and alerts you the moment something new appears
- •Hands you a print-and-mail-ready PDFwith the bureau's address and certified-mail instructions
✕ What Mend does NOT do
- •Send any letter on your behalf — you mail every letter yourself
- •Contact bureaus, creditors, or collectors for you — you stay the legal sender
- •Sign anything as you, or impersonate you in any way
- •Guarantee specific score increases (nobody legitimately can)
- •Replace a lawyer if you're being sued for a debt
- •Charge you for credit-repair services — your subscription is for the software and education, not for results
You're the one fixing your credit. Mend just makes it 10× faster and removes the parts that make most people give up before they start. The federal-law process is real, public, and free to use. We just made it usable.
Why we built Mend
"I watched a friend pay Lexington Law $1,388 over fourteen months. They removed two items. He could have done both himself in thirty minutes for the cost of postage."
The Fair Credit Reporting Act gives every American the right to dispute any inaccurate item on their credit report. The only reason an industry exists around this is because nobody knows the procedure, and the procedure is tedious. Mend is the procedure — automated, transparent, in your name.
If Mend ever starts charging before service is rendered, hiding what we send, or making score-increase promises we can't keep — cancel and tell the world. That's the deal.
— Founder · Mend
Common questions
Yes, what Mend does is legal.
And yes, it actually works.
Is Mend a credit repair company?+
Is what Mend does legal?+
So Mend doesn't mail the letters for me?+
Will Mend's disputes hurt my score?+
How is Mend different from Lexington Law?+
What's the catch with the $29.99 founding price?+
What if Mend doesn't find anything?+
Is my data safe with Mend?+
Mend's letter library
15 letters. Every situation.
Mend picks the right one, every time.
Mend is ready.
Put her to work.
Free audit. No credit card. Mend shows you every disputable item on your report — usually in 30 seconds.
Mend is software — not a credit repair organization. Individual results vary.