Debt Defender shield logoDebt Defender

Credit education & dispute documentation

Debt buyers count on you not knowing your rights.

Old debts get bought and sold. Your credit gets pulled without permission. Lawsuits get filed on debts you may not even owe. You have rights. Learn them. Use them.

Start Free — Join the Beta
Couple calmly reviewing financial documents together at home
Couple calmly reviewing financial documents together at home Photo: Ron Lach / Pexels

The law is on your side

Five statutes that protect your credit rights

FCRA §1681iBureaus must investigate your dispute within 30 days and fix or remove what they can’t verify.
FCRA §1681bA debt buyer needs a legally permissible purpose to pull your credit. No permission, no pull.
FDCPA §1692gYou can demand validation of a debt within 30 days of first contact. They must prove it.
FDCPA §1692dCollectors may not harass, threaten, or abuse you. Every call matters. Log it.
FL Stat. §559.72Florida adds its own collector rules — with extra remedies when collectors cross the line.

How it works

How to dispute credit report errors in four steps

Pull your reports, flag the violations, send cited letters, and build a case file — one clear step at a time, at your own kitchen table.

Person organizing and annotating financial paperwork at a sunlit desk
Person organizing and annotating financial paperwork at a sunlit desk Photo: RDNE Stock project / Pexels

  1. Pull your free reports

    Connect your free annual credit reports. Your data stays yours — stored only in your own case file.

  2. We flag what’s wrong

    Debt Defender scans for inaccuracies, unauthorized inquiries, and collector violations — each one tied to the statute it breaks.

  3. Letters drafted for you

    Dispute and validation letters auto-drafted with full legal citations, ready for your review and signature.

  4. Build your case file

    Track every deadline, response, and call. Export a court-ready, timestamped case packet whenever you need it.

Your toolkit

Everything you need to stand your ground

War Room Dashboard

Every debt, dispute, and deadline on one screen. Know exactly where you stand.

Violation Detection

Unauthorized pulls, re-aged debts, missing validation — flagged automatically with the statute cited.

Dispute Letters, Cited

Auto-drafted letters with full FCRA / FDCPA citations. Professional, precise, yours to send.

Deadline Clocks

30-day investigation windows, validation windows, statutes of limitation — counted down for you.

Call Log & Auto-Flags

Log collector calls in seconds. We auto-flag potential §1692d harassment and §559.72 violations.

Evidence Box

Store letters, screenshots, recordings, and responses — organized and timestamped.

Case-File Export

One click exports a complete, organized case packet — ready for an attorney or your day in court.

Honesty first

Is Debt Defender right for you?

It’s for you if…

  • You’re being contacted about old or unfamiliar debts
  • You found accounts or inquiries on your report you don’t recognize
  • You want to understand your rights before you talk to anyone
  • You’re willing to document and follow a process step by step

It’s NOT for you if…

  • You want someone to “wipe” accurate debts overnight — nobody can lawfully promise that
  • You’re looking for a loan, settlement sales pitch, or “credit repair” upsell
  • You want legal advice — we’re an education and documentation tool, not a law firm

Free during beta

Your rights don’t enforce themselves.

Join the beta, document your case, and be ready — whether the bureaus fix it, the collectors back down, or a lawyer takes it from here.

Create Your Free Account