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DEBT
BRIGHT

See clearly. Fight fiercely. Challenge what's wrong.

Intelligent Credit Dispute System · Early Access
Join the Waitlist See How It Works
Free
Early Access Waitlist
3
Major Bureaus Covered
30 Day
Mandatory Response
15+
Federal Statutes Used
FCRA §1681e(b) ✦ FCRA §1681i Reinvestigation ✦ FDCPA §1692g Validation ✦ FCRA §1681s-2(b) Furnisher Duty ✦ FDCPA §1692c Cease & Desist ✦ FCRA §1681c 7-Year Rule ✦ FDCPA §1692e False Representations ✦ FCRA §1681n Willful Violations ✦ FL FCCPA §559.72 ✦ FCRA §1681c-2 ID Theft Block ✦ FDCPA §1692f Unfair Practices ✦ HIPAA Medical Debt Protection ✦ FCRA §1681e(b) ✦ FCRA §1681i Reinvestigation ✦ FDCPA §1692g Validation ✦ FCRA §1681s-2(b) Furnisher Duty ✦ FDCPA §1692c Cease & Desist ✦ FCRA §1681c 7-Year Rule ✦ FDCPA §1692e False Representations ✦ FCRA §1681n Willful Violations ✦ FL FCCPA §559.72 ✦ FCRA §1681c-2 ID Theft Block ✦ FDCPA §1692f Unfair Practices ✦ HIPAA Medical Debt Protection ✦
Process

How DebtBright Works

A precision three-step system built on federal consumer protection law.

01
🔍
Analyze Your Report
Paste or upload your credit report. Our AI flags possible errors, inaccuracies, and potential violations across all three bureaus for you to review.
02
⚡
Generate Your Letters
DebtBright builds dispute letters citing the exact federal statutes that apply to your situation. Every letter is personalized, not a template.
03
📬
Send and Track
Send via certified mail. Bureaus have 30 days by law to respond. If they cannot verify, the item must be deleted. Track every deadline in your dashboard.
04
🏛️
Escalate if Needed
No response? DebtBright helps you prepare a complaint to the Consumer Financial Protection Bureau (CFPB). Federal law allows statutory damages for certain willful violations.
Features

Everything You Need to Dispute

The full FCRA and FDCPA arsenal, powered by AI, ready in seconds.

🏛️
Bureau Disputes
Equifax, Experian, and TransUnion dispute letters with E-OSCAR codes, Metro 2 compliance, and letters that cite the FCRA sections that apply to your dispute.
⚖️
FDCPA Arsenal
Debt validation demands, cease and desist letters, violation notices. Learn which violations federal law treats as actionable.
🏦
Furnisher Disputes
Direct disputes with original creditors and debt buyers under §1681s-2(b). Notify every bureau and furnisher that is required to investigate.
💣
Advanced Options
Identity theft block, mixed file claims, re-aging disputes, LexisNexis opt-out, security freeze across all six major reporting agencies.
🦉
DebtBright AI
Type a trigger command and receive a complete document package in seconds. No forms, no waiting.
📊
Client Dashboard
Track every client, every letter, every deadline. Know exactly when the 30-day clock runs out and what to do next.
📚
Statute Library
Complete FCRA, FDCPA, Florida state law, and case law reference with damage calculations and strategic guidance for every statute.
🔍
Violation Analyzer
Paste any credit report data and DebtBright flags possible violations for you to review — collections, re-aging, medical debt, student loans, and more.
Sample Output

Dispute Letters in Seconds

JANE SAMPLE 100 Example Street Anytown, FL 00000 VIA CERTIFIED MAIL Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374 RE: FORMAL DISPUTE — Capital One Account Ending: 0000 To Whom It May Concern: I am writing pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., to formally dispute inaccurate and unverifiable information in my file. LEGAL BASIS FOR DISPUTE: 1. 15 U.S.C. § 1681e(b) 2. 15 U.S.C. § 1681i 3. 15 U.S.C. § 1681s-2(b) 4. 15 U.S.C. § 1681n 5. Fla. Stat. § 559.72 (FCCPA) You have THIRTY (30) DAYS to investigate. If this information cannot be verified, 15 U.S.C. § 1681i(a)(5)(A) requires that it be deleted or modified.

Every Letter Is Unique

DebtBright doesn't send the same template to every bureau. Each letter is built from your client's specific situation, the exact account in dispute, and the statutes that actually apply.

§1681e(b) §1681i §1681s-2(b) §1692g §559.72 FL Cortez v. TU

Sample shown with fictional information. Results depend on your situation, and no outcome is guaranteed. Accurate, verifiable information cannot be removed.

Join the Waitlist
Pricing

Planned Launch Pricing

Nothing is charged today. Join the waitlist for the plan you want and we'll email you when early access opens.

Starter
$49
/ month at launch
  • Up to 5 active clients
  • Bureau dispute letters
  • FDCPA letters
  • Violation analyzer
  • Client dashboard
  • Email support
Professional
$129
/ month at launch
  • Unlimited clients
  • All letter types
  • Advanced dispute options
  • DebtBright AI trigger commands
  • Case law reference library
  • Priority support
Agency
$299
/ month at launch
  • Everything in Professional
  • White-label option
  • Team access (up to 5 users)
  • API access
  • Custom branding
  • Dedicated account manager
DebtBright

Ready to Fight Back?

Be among the first to use federal consumer protection law to challenge inaccurate, incomplete, or unverifiable items on your credit report.

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