Credit knowledge, made plain

Finally understand what's on your credit report — and exactly what to do about it.

Credit repair is confusing by design. Phantom-lex reads your report, explains every item in plain language, drafts the disputes worth filing, and walks you through each step. You stay in control — we close the knowledge gap.

Read Your Report Free → See how it works

$29 / month · No credit card to start · Cancel anytime

Operating under

FCRA §611 Reinvestigation
FDCPA Collections compliance
CFPB Escalation channel
CROA Consumer protection
SOC 2 Type II
0d
Bureau response window
you should never miss
0
Credit bureaus read
and explained
100%
FCRA-grounded guidance
no generic letters
$29
Per month
cancel anytime

How It Works

Three steps. You stay in the driver's seat.

Phantom-lex reads, explains, and prepares the work. You review and send. We track what happens and tell you what's next.

01

Connect your reports

Secure read-only link to Equifax, Experian, and TransUnion. We pull every account, inquiry, and public record across all three so you have one place to actually understand them.

Equifaxread
Experianread
TransUnionread

Read-only · SOC 2 Type II · no hard pulls

02

We explain & prepare

Every item on your report, translated. Which entries are legally disputable, which aren't, and why. For the disputable ones, we draft the letter with the right FCRA section cited. For the rebuild side, we lay out the realistic path.

⊙ Found Acct #4821 reporting inaccurately · §611-disputable
✎ Drafted Reinvestigation letter ready for your review
⌖ Planned Rebuild path: secured card, then unsecured at month 7
03

You act. We track.

You send the letter (we'll print & mail or hand you a PDF). We watch the response window, alert you on day 28 if no reply, and tell you whether the bureau's reply actually fixes the problem. If it's time to escalate to the CFPB, we draft that for you too. You file it.

Did the bureau actually fix the Equifax item?
Partially. They updated the balance but kept the late mark. I've drafted a follow-up citing §611(a)(5) — review it when you have a minute.

What Most People Don't Know

Credit repair is confusing by design.

Bureaus, collectors, and lenders count on you not knowing the rules. Phantom-lex exists to close that gap.

You don't know what's actually wrong

Reports are dense and full of codes. Most people can't tell which entries are accurate, which are errors, and which are reporting violations.

You don't know what's legally disputable

FCRA §611, §623, §609 — different sections cover different situations. Generic letters get auto-rejected because they don't cite the right grounds.

You don't know the deadlines

Bureaus have 30 days (sometimes 45) to respond. If you don't track the clock, the window quietly closes and the error stays.

You don't know when to escalate

CFPB complaints, state AG filings, consumer-law referrals — each has its moment. Knowing which and when is half the game.

You don't know if it actually stuck

Roughly 1 in 5 removed items reappears within 60 days. Without someone watching the reports, you'd never catch it.

Your Live Case Tracker

LIVE
Equifax · Items in progress 3 Pending
Collection — Acct #4821 Bureau hasn't replied · day 34
Time to escalate
Late Payment — Chase Bureau has 8 days left
Hard Inquiry — Capital One Bureau confirmed removal 4/22
Removed
TransUnion · Items in progress On Track
Medical Debt — Acct #0091 Letter drafted · ready to send
Awaiting you
Student Loan — Navient FCRA §611(a)(5) · bureau corrected
Fixed

Updated 3 min ago · 1 item ready for your review

What You'll Understand

Two sides of the work.
Both made plain.

Phantom-lex covers the two halves of credit health. Each side is a set of explanations, drafts, and trackers you use when you're ready. You decide what to send and when.

α

Side One

Disputes

Cleaning up what's wrong. We read your reports, point out what's legally disputable, draft the letters with the right FCRA grounds, and track the response window so you know exactly when to follow up.

⊙
Report read-throughPlain-English breakdown of every item
✎
Dispute draftsFCRA-cited letters ready for you to send
⌚
Response window trackerKnows the 30-day clock so you don't miss it
↗
Escalation guidanceWhen and how to file a CFPB complaint
β

Side Two

Rebuild

Building positive credit, honestly. We explain what actually moves your score, lay out a realistic timeline, and tell you which steps make sense for your situation — and which ones internet advice gets wrong.

⌖
Rebuild planPersonalized 9-month path with milestones
◐
Utilization guidanceWhen & how much to pay down for max impact
⊚
Reinsertion watchTells you if a removed item reappears
§
Bankruptcy follow-throughPost-discharge rebuild path explained

Your Guide

Meet Lex.
The patient explainer.

Lex is the chat interface for everything Phantom-lex knows about your reports and the rules. Ask anything — what a code means, whether to dispute an item, what happens if you open a new card, why a collection hasn't moved. You get a plain-language answer, with the law cited.

◎

Reads your reports continuously

Every account, every change, all three bureaus.

◈

Cites the law in plain English

FCRA, FDCPA, and CROA — translated, with the section numbers if you want them.

⌖

Walks you through each step

What to do, when to do it, and how to know it worked. You take the action.

Talk to Lex → Included in your $29 plan
Lex Online · reading your case
#SESS-2042
Ask Lex anything… ↵

Who It's For

One platform.
Three operators.

For Consumers

Stop guessing about your own credit.

Connect your reports and you'll finally see what's actually there — what's correct, what's wrong, what's worth disputing, and what's not. We draft the letters. You read them, send them, and watch the clock with us.

  • ✓Plain-English read of all three reports
  • ✓Drafted disputes — you review and send
  • ✓Bureau response window tracking
  • ✓Lex answers your questions, anytime
Get Started Free →

If you complete recommended steps

612 → 684

Estimate over 90 days · 4 disputable items identified

PoorFairGoodVery GoodExcellent

For Credit Advisors

Give your clients real understanding, not theatre.

Walk through reports with clients using a tool that explains what they're looking at. Phantom-lex prepares the disputes; you and the client decide what to send. Track deadlines across your book in one console.

  • ✓One console for your client portfolio
  • ✓Drafted letters your clients sign & send
  • ✓Deadline tracking across every case
  • ✓Plain-language reports to share with clients
Talk to us →

Client portfolio · status

Diaz, M. 3 ready
Okafor, T. awaiting
Reyes, J. escalate
Park, S. drafting

28 active cases · 5 letters drafted & awaiting client send

For Bankruptcy Attorneys

Help your clients rebuild after discharge.

Discharge is the start of the rebuild, not the end. Phantom-lex helps your clients understand what's still on their reports, identifies discharge-injunction violations, drafts the §1681s-2(b) furnisher disputes, and produces timeline exports for your file.

  • ✓Watches for discharged debts reappearing
  • ✓Drafts §1681s-2(b) furnisher disputes
  • ✓Explains the Ch.7 / Ch.13 rebuild path to clients
  • ✓Case-file ready timeline exports
Talk to us →

Discharge follow-up · Case 24-10218

04/14 Discharge order entered · Ch.7
04/22 Discharged debt detected on Experian · LVNV
04/23 §1681s-2(b) furnisher dispute drafted · client signed
05/14 Furnisher corrected · cited 11 U.S.C. §524

Timeline export ready · PDF for your file

Pricing

One plan. $29 a month.

No tiers. No upsells. No long contracts. Everything Phantom-lex does, for everyone.

Phantom-lex

$29 / month

Cancel anytime. No credit card to start your first read.

Start Free Read →

Free first report read. Pay only if you want to keep going.

✓ All 3 bureaus, read & explained
✓ Drafted disputes — you review & send
✓ Bureau response window tracking
✓ CFPB complaint drafts when warranted
✓ Reinsertion watch
✓ Personalized rebuild plan
✓ Lex — unlimited questions, answers cited
✓ Bankruptcy follow-through (Ch.7 / Ch.13)

For credit advisors & law firms

Working with clients?

We have multi-client workspaces and case-file exports for credit advisors and bankruptcy attorneys. We'll work out fair pricing with you.

Talk to us →

FAQ

Common questions.

Don't see what you need? Ask Lex directly.

Wait — does Phantom-lex actually file disputes for me?
No, and we want to be straight about that. Phantom-lex drafts the dispute letters, prepares them with the right FCRA section cited, and tracks the response window — but you review, sign, and send. You can mail them yourself or use our print-and-mail service for postage. CFPB complaints work the same way: we draft, you file. You're always the one acting.
Then what am I paying $29 a month for?
Understanding. Phantom-lex translates your reports, identifies what's legally disputable and what isn't, drafts compliant letters so you're not sending generic ones that get rejected, tracks every deadline so nothing slips, watches for reinsertion, and gives you a real rebuild plan. Lex answers your questions in plain English. You're paying for clarity and the legwork — you keep the agency.
How is this different from a credit-repair company?
Traditional shops typically charge $80–150/month, file generic disputes on your behalf, and bill until you cancel. We charge less, prepare better letters with specific FCRA citations, explain everything in plain language, and put you in control of every action. We'd rather be the tool you understand than the service you blindly trust.
Is this legal? Is it FCRA-aligned?
Yes. Phantom-lex operates as a knowledge and drafting tool. The disputes we prepare are grounded in specific FCRA sections (most commonly §611 and §623(a)(8)). Because you sign and send, you remain the consumer exercising your statutory rights. We follow CROA, FDCPA, and CFPB-aligned procedures throughout.
Will using Phantom-lex hurt my score?
No. Bureau access is read-only — no hard inquiries. Disputes themselves don't affect your score. The rebuild guidance can positively impact utilization and account-mix over time, but only if you act on it.
How long until I see results?
Bureaus must respond within 30 days of receiving a dispute (extendable to 45). First removals typically post in 35–60 days after you send the letter. Rebuild-side impact compounds over 3–9 months. Lex shows you a per-item timeline with realistic expectations — no inflated promises.
What if a bureau ignores my dispute?
Failure to respond within the statutory window is itself a FCRA violation. We'll flag it, draft a follow-up letter, and prepare a CFPB complaint and (if appropriate) a referral packet to a consumer-law attorney. You decide which step to take, and when.
Can I cancel anytime?
Yes. No contracts. Cancel from your account in two clicks. Your data export is one click. Anything we've drafted stays yours to use.

Start Free

Read your credit report.
Actually understand it.

Connect your reports and get a plain-English read. If the rest is worth $29 a month, stay. If it isn't, leave.

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$29/mo after free read · No credit card to start · Cancel anytime