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RIGHTS & RECOURSE / CREDIT DECISIONS

An Automated Credit Model Raised Your Rate or Cut Your Limit. Request the Explanation.

Generate a formal Adverse Action disclosure request and dispute letter under FCRA and ECOA rules.

LIMIT FIRST: This tool generates legal correspondence based on statutory templates. It does not provide formal legal representation.
FREE TIER1 Free Run Available
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BASIS / NOT A VERDICT

This tool reduces uncertainty; it does not replace a bank's fraud department, a mental-health professional, legal advice, a school privacy contact, or qualified technical help, and it cannot prove that a call, message, account, decision, or AI system is safe.
Convenience tier: unlimited runs on this browser$4 one-time

What is included

FREE / COMPLETE
  • adverse action rights check
  • FCRA request letter generator
  • statutory timeline guide
CONVENIENCE UNLOCK
  • Unlimited runs of this tool on this browser