For credit agencies that do it properly
Credit repair,
held to account.
Credit Wolf is the private, compliance-first platform for credit agencies: evidence-based disputes, an encrypted identity vault, and a client portal your clients will trust with their most sensitive documents.
- AES-256 encryption
- Mandatory 2-step
- Every view audited
- CROA-aware billing
Jordan Ellis
214 Peachtree St NE
Atlanta, GA 30303
Equifax Information Services LLC
P.O. Box 740256, Atlanta, GA 30374
Re: Request to investigate specific inaccurate information
The account below reports a balance of $2,140 at Equifax, while Experian and TransUnion report $0 after payoff on March 3…
Enclosures:
1. Copy of driver's license (front)
2. Copy of utility bill (proof of address)
9f3a·c41e
Driver's license · front
Expires Aug 2029
Verified
01
Understand the file
Record what each bureau reports, with score provenance. Consistency checks flag potential inaccuracies; accurate negatives are labeled as accurate.
02
Correct what's wrong
Every dispute is a case built on a specific fact and evidence. Letters are drafted from verified facts, approved, fingerprinted and tracked to a response.
03
Build what's missing
Action plans, Credit Academy lessons and funding readiness turn a cleaner file into deliberate, productive access to capital.
The platform
Everything an agency runs on. Nothing it shouldn't.
One workspace for your team, one secure file per client, and one standard: every action supported by what's true.
Create a workspace- §01
Credit intelligence
Scores with model and source, per-bureau tradelines, a cross-bureau matrix and nine versioned consistency rules.
- §02
Resolution Center
Cases, claims, evidence and deadlines. Letters can't be drafted without a specific disputed fact.
- §03
Identity vault
Encrypted copies of ID, proof of SSN and address, reviewed, dated and enclosed with each letter automatically.
- §04
Specialty reports
ChexSystems, Early Warning, LexisNexis, tenant and employment screening: the files most software ignores.
- §05
Client portal
Google or email sign-in. Clients see only what you share, and nothing until you activate them.
- §06
Credit Academy
Courses with quizzes you can share lesson by lesson, so clients understand their credit, not just a number.
- §07
Producer Lab
Cost of capital, break-even and stress scenarios, so borrowing is a decision, not an impulse.
- §08
Billing
Your own subscription plans, billed through your Stripe account, with CROA-aware delayed first charges.
Security
Built like a vault, because it is one.
Clients hand you a driver's license, a Social Security card and their home address. The least they deserve is a system designed around protecting them, down to who opened what, and when.
Dispute packet
2 of 3 ready- Verified
Government photo ID
Driver's license · exp. 08/2029
- Verified
Proof of SSN
W-2 (2025)
- Awaiting review
Proof of address
Utility bill · Sep 14
Access log
10:42 · M. Ortiz viewed driver's license · 73.162.x.x
10:44 · Printed with Equifax letter, round 2
- Encryption at rest
- AES-256-GCM on SSN digits, birth dates, account numbers, letters and every uploaded file
- Passwords
- Argon2id, the current OWASP recommendation, plus breached-pattern checks
- Staff sign-in
- Two-step verification required by default; recovery codes; device sessions you can revoke
- Document access
- Never a public link. Each view is decrypted on demand and logged with name, time and IP
- Isolation
- Every query is scoped to one agency. Requests for another agency's records return nothing
- Payments
- Stripe-hosted checkout and portal. Card numbers never touch our servers
Compliance is the product
We won't help anyone cut corners. That's the point.
i.
No fake disputes.
An item can't enter a dispute until a review finds a potential inaccuracy and a specific reason is written down.
ii.
Identity theft is attested.
Those workflows unlock only after the client signs a versioned attestation, with timestamp and IP.
iii.
No guarantees, anywhere.
Not in the software, not in the letters, not in the funding tools. "Product fit", never "approval odds".
iv.
Billing that respects the law.
Client plans delay the first charge by default, because the Credit Repair Organizations Act restricts advance fees.
Questions
Asked, and answered plainly.
Who is it for?+
Credit services agencies, financial coaches and counselors who manage many clients and want each one to have a secure portal they control.
Where do clients' ID documents go?+
Into the identity vault. Each file is encrypted before it's stored, checked by its real file type, reviewed by your team, and only decrypted for a signed-in person with access. Every view is logged, and you can shred a document permanently.
Do I need to install anything?+
No. It runs in the browser on any computer, tablet or phone. Letters and their enclosures print from the browser or save as PDF.
Can I write my own letters?+
Yes. Copy any built-in template or start from scratch, using merge fields like {{client_name}} and {{dispute_items}}. Enclosures are listed automatically from the vault.
Do you guarantee results?+
No, and no one honestly can. The platform helps you find potential inaccuracies and resolve them with evidence. Accurate information isn't disputed.
Run the agency your clients already think you are.
Create your workspace, invite your team, and send your first client a secure portal invitation today.