How Mend works

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Mend in five minutes

Mend is software that teaches you the credit-repair process and automates the tedious parts. The software watches your credit reports 24/7. Every time something negative shows up — a new collection, a late mark, an unauthorized inquiry — Mend drafts the right legal response in 30 seconds and hands you a print-ready PDF with the bureau's address and certified-mail instructions. You read every letter, sign every letter, and drop each one at USPS yourself (~$5 for certified mail). You are the legal sender of every communication. Mend does not contact bureaus, creditors, or collectors on your behalf — that's what keeps Mend on the right side of CROA and keeps you in full control.

Getting started

  1. Connect your credit reports

    One-time OAuth with Equifax, Experian, and TransUnion via Array. Takes about 90 seconds total. Mend never sees your bureau passwords.

    Open Connect →

  2. Run your first AI audit

    Don't have bureau connect yet? Upload your free annualcreditreport.com PDF. Claude reads every line, identifies every disputable item, and ranks them by score impact.

    Run an audit →

  3. Review findings in your inbox

    Each finding is a card with the headline, drafted letter preview, the FCRA section that applies, and an estimated score impact. Tap to see the reasoning.

    Open inbox →

  4. Approve, print, and mail

    One tap on Approve. Mend generates a print-ready PDF with the bureau's mailing address and step-by-step certified-mail instructions. Print it, sign it, take it to USPS — about $5 in postage. Save the green return receipt; Mend logs the tracking number.

  5. The agent never sleeps

    When the bureau responds 'verified,' Mend auto-drafts the Round 2 Method of Verification escalation, then Round 3 (Section 609), then Round 4 (FCRA violation notice). Each round arrives in your inbox as a new print-ready PDF — you just keep mailing them.

Strategy playbooks (free reads)

Collections playbook

The 7 strategies for handling a collection — dispute, validate, pay-for-delete, SOL defense, goodwill, and more. With the decision tree for picking the right one.

Open →

Interactive strategy picker

Answer 9 quick questions about a specific collection. Get the recommended play in 60 seconds. Free to use; subscribe to see the exact offer amount + draft letter.

Open →

Inside the app

Dashboard

Your three scores, weekly history chart, factor breakdown, and a snapshot of what the agent is working on.

Open →

Approval Inbox

Every detected ding becomes a card. Tap Approve to download the print-ready PDF. Edit to tweak the wording. Dismiss to skip.

Open →

AI Audit

Upload a credit report PDF and Claude returns a prioritized list of every disputable item with the law that applies.

Open →

Disputes

Every dispute by stage: drafted, mailed, delivered, investigating, resolved. Kanban-style pipeline.

Open →

Accounts

Every tradeline reporting to any bureau, with status pills, utilization, and which bureaus see each account.

Open →

Inquiries

Every hard and soft inquiry. Mark unauthorized ones to auto-queue an inquiry-removal dispute.

Open →

Timeline

Every agent event in chronological order. New ding, letter mailed, bureau response, item removed.

Open →

Profile

Your personal info, bureau connections, push notification settings, and billing.

Open →

What happens after you approve a letter

  1. 0h

    Mend generates a print-ready PDF with the full letter, the bureau's mailing address, and step-by-step USPS Certified Mail instructions. You print, sign, and head to the post office (~$5 in postage).

  2. 1–2 days

    You take it to USPS, pay for Certified Mail with Return Receipt (PS Form 3811 — the little green card), and snap a photo of the tracking number. Mend logs it against the dispute.

  3. 2–4 days

    USPS delivers. The green card comes back to you with the bureau's signature — that's your legal proof of receipt. The 30-day investigation clock under FCRA §1681i has officially started.

  4. 30 days

    Bureau is legally required to respond. Photograph their reply and upload it to Mend — we OCR it and parse the outcome: deleted, verified, or updated.

  5. Deleted

    Item is removed. Score updates on the next weekly pull. Card closed. Done.

  6. Verified

    Bureau claims the item is accurate. Mend auto-drafts the Round 2 Method of Verification request, demanding to know how they verified. A new print-ready PDF appears in your inbox — you mail the next round.

FAQ

How long until I see results?+
It depends entirely on how many disputable items appear on your report. The FCRA gives bureaus 30 days to investigate each dispute, and they must delete any item they cannot verify. Easy categories (medical debt under $500, items past the 7-year limit, junk-debt-buyer collections) tend to resolve in one round; harder items (verified charge-offs) can take multiple escalation rounds. Mend doesn't guarantee specific score outcomes — individual results vary.
Is this legal?+
Yes. The Fair Credit Reporting Act (15 U.S.C. §1681) gives you the explicit right to dispute anything on your credit report that is inaccurate, incomplete, unverifiable, or outdated. Mend is software — you remain the legal sender of every letter. We are not a credit repair organization.
How is this different from Lexington Law or CreditRepair.com?+
Lexington charges $79–$149/month regardless of action, sends the same five letter types to every customer, and was fined $2.7B by the CFPB in 2023 for charging before delivering. Mend is a flat $39.99/mo — the AI reads your actual report, picks the right move per item, and hands you a print-ready PDF. You mail each letter yourself (~$5 USPS certified), so the dispute is legally sent in your name and never gated by us.
So Mend doesn't mail the letters for me?+
Correct. Mend is software: AI auditor, letter generator, monitoring, escalation tracking. Your subscription covers all of that. The actual mailing is something you do yourself — print the PDF, sign it, take it to USPS, pay ~$5 for Certified Mail with Return Receipt. Keeping you as the sender is what keeps Mend on the right side of credit-repair law (CROA) and gives you full control over every letter.
Can I cancel any time?+
Yes. The $39.99/mo subscription cancels in one tap from your profile, no questions asked. Disconnect your bureaus and your data is purged within 24 hours.
Will disputing hurt my score?+
No. Disputing is a federally-protected right. Bureaus cannot lower your score for disputing — that itself would be an FCRA violation. The only score change comes from items being removed (which always helps).
What if I don't have a credit report PDF?+
Pull a free one at annualcreditreport.com. You're entitled to one from each bureau every week through 2026 per FTC policy. Download as PDF and drop it on the Audit page.
Why mail letters? Why not email?+
Bureaus and debt collectors are legally required to respond to mailed disputes under §1681i and §1692g. Email gives you no proof of delivery, and most bureaus don't accept email disputes. The certified-mail return receipt is your legal proof when the 30-day clock starts.
Is my data safe?+
Mend never sees your bureau passwords — Array handles bureau authentication. Your credit data is encrypted at rest and in transit. We never sell or share your data with anyone.
What if I have an ongoing lawsuit or active collection lawsuit?+
Mend handles administrative disputes, not litigation. If you've been served, talk to a consumer law attorney — the National Association of Consumer Advocates (consumeradvocates.org) maintains a directory and most take FCRA/FDCPA cases on contingency.

The legal stuff

Mend is software you use to send dispute letters in your name. We are not a credit repair organization, do not take action on your behalf without your explicit approval, and do not promise specific score increases. Score outcomes depend entirely on how many disputable items appear on your report and how the bureaus respond; individual results vary.

Federal law referenced throughout: Fair Credit Reporting Act (15 U.S.C. §1681), Fair Debt Collection Practices Act (15 U.S.C. §1692), Fair Credit Billing Act (15 U.S.C. §1666). Educational content; not legal advice. For active lawsuits or complex identity theft cases, consult a licensed consumer-law attorney.

Need a hand? Email hello@letmend.com and a human will reply within one business day.