Sable Credit
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Sable Credit

Fix your credit.Without the credit repair company.

Import your report, let AI find every issue, generate dispute letters, and mail them—all in one place.

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No setup fees
Bank-level security
Instant setup
9:41
Sable Credit
A

Hello, Alex

Here is your current credit score

▲ 6 pts
532

Credit Factors

Payment historyHigh
100%
Credit card useHigh
2%
Derogatory marksHigh
0
Credit ageMedium
7yrs 3mo
20
Negative
27
Positive
0
Inquiries
SablePlatform

Everything you need.
Nothing you don't.

Most credit repair is waiting for someone else to do the work. Sable gives you the tools to do it yourself—faster, smarter, and for a fraction of the cost.

Import and analyze instantly.
Import and analyze instantly. Upload your SmartCredit report and watch as AI identifies every negative item, collection, and inquiry that's hurting your score.
Generate custom dispute letters.
Generate custom dispute letters. Our AI crafts personalized dispute letters based on consumer protection laws, targeting each negative item with the right legal approach.
Track bureau responses.
Track bureau responses. Monitor all three credit bureaus in one dashboard. See which disputes succeeded, what needs follow-up, and your score improvements.
Learn what works.
Learn what works. AI analyzes thousands of successful disputes to recommend the most effective strategies for your specific credit situation.
Dispute with confidence.
Dispute with confidence. Built-in compliance checks ensure your letters follow FCRA, FDCPA, and FCBA regulations. Dispute like a pro without the legal degree.
Your data, your control.
Your data, your control. Bank-level encryption protects your information. Export your letters, download your progress, and own your credit repair journey.
SableSee It In Action

Your credit repair command center

Import your report, find what's hurting your score, generate disputes, and track results—all from one powerful dashboard.

How to Dispute

Watch how easy it is to generate and send dispute letters

AI-Powered Analysis

Instantly identifies every negative item on your report

Smart Targeting

Finds discrepancies between bureaus for stronger disputes

Legal Compliance

Letters cite FCRA, FDCPA, and FCBA regulations

One-Click Disputes

Generate and send letters in minutes, not hours

Start Fixing Your Credit

Free to start • No credit card required

SableAI Letter Generator

Then dispute with the right words

AI generates personalized letters citing FCRA, FDCPA, and FCBA violations. Edit them yourself or let AI improve them—either way, they're ready to send.

SableEquifax Dispute LetterDraft

John Smith
123 Main Street
Los Angeles, CA 90001

December 2, 2024

Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374-0256

RE: Formal Dispute of Inaccurate Credit Report Information

To Whom It May Concern:

I am writing to formally dispute the accuracy of information on my credit report. After reviewing my report, I have identified items that contain inaccurate, incomplete, or unverifiable information.

Under the Fair Credit Reporting Act (FCRA), Section 611, I am entitled to an accurate credit report. The accounts listed in this dispute contain errors that must be investigated and corrected or removed from my credit file.

Items in Dispute:

1. CAPITAL ONE (Acct: ...4829)
Type: Collection • Balance: $2,890
Requested action: This account was opened fraudulently. Please delete immediately.

2. MIDLAND CREDIT (Acct: ...7721)
Type: Collection • Balance: $1,247
Requested action: Balance reported is incorrect. Please verify and correct.

3. DISCOVER BANK (Acct: ...3384)
Type: Late Payment • Balance: $4,200
Requested action: Payment was made on time. Please remove late payment notation.

I request that you conduct a thorough investigation into these disputed items within the 30-day timeframe required by law.

For verification purposes: SSN: XXX-XX-1234 • DOB: 01/15/1985

Respectfully,

John Smith

Round 1 Letters

Disputed Items

3 items

CAPITAL ONE

Acct: ...4829

Collection
$2,890

Not mine - account opened fraudulently

MIDLAND CREDIT

Acct: ...7721

Collection
$1,247

Incorrect balance reported

DISCOVER BANK

Acct: ...3384

Late Payment
$4,200

Payment was made on time

AI Analysis
Legal citations4 included
Compliance score98%
Success probabilityHigh

Custom for each item

Every letter is uniquely crafted based on the specific violation type, creditor, and your situation

Legal precision

Cites specific sections of FCRA, FDCPA, FCBA, and HIPAA that apply to your case

AI-powered editing

Improve, simplify, or make your letters more professional with one-click AI enhancements

Generate Your LettersFree to start
SableSend With Sable

And send them without the hassle

Skip the post office. We print, stamp, and mail your letters via USPS Certified Mail—with tracking so you know exactly when bureaus receive them.

Mail Center
3 letters ready

Ready to Send

Round 1

Experian

4 items disputed

$1.29

Equifax

3 items disputed

$1.29

TransUnion

5 items disputed

$1.29
TodayPrinted
Day 2-3In transit
Day 4-5Delivered

Certified Mail

Legal proof of delivery

Real-time Tracking

Know when they arrive

3-5 Day Delivery

Fast & reliable

Total

$3.87

Certified mail included

+ tracking

256-bit encryptionUSPS Certified
10k+ letters sent98% delivered
Start Sending LettersNo subscription required
SableMetro 2 Analysis

Metro 2: Find errors they can't deny.

METRO 2Find errors they can't deny.

Metro 2 is the raw format creditors use to report your data. We compare every field across all three bureaus and flag the inconsistencies that get items deleted.

CB/KAY|Revolving|Balance: $0.00
5 discrepancies
Item CodesEquifaxExperianTransunion
Account #BS-7
778850XXXXXXXXXX778850XXXXXX778850XXXXXX
Account TypeBS-9
Revolving(!)REVOLVING(!)Revolving account(!)
Account StatusBS-17A
IndeterminateIndeterminateIndeterminate
Date OpenedBS-10
12/20/201912/20/201912/20/2019
BalanceBS-21
$0.00$0.00$0.00
High CreditBS-12
$0.00(!)$0.00(!)$1,643.00(!)
Payment StatusBS-17B
Charge-off(!)Charge-off(!)Charged off as bad debt(!)
Date Last ActiveBS-8
10/15/2025(!)04/01/2024(!)03/13/2024(!)
7 Year History
30: 0 60: 0 90:0(!)30: 0 60: 0 90:3(!)30: 0 60: 0 90:0(!)
High Credit - TransUnion reports $1,643, others report $0
Date Last Active - 18+ month variance
90-day lates - Experian shows 3, others show 0
See Your Metro 2 DataFree to start
SableReal Results

Join thousands taking control

Real people, real results. See how Sable users are transforming their credit scores and financial futures.

Success Story
+127 points
"Sable Credit isn't just a tool—it's a game-changer for how I approach credit repair. I went from feeling helpless to disputing like a pro in minutes. My score jumped 127 points in just 3 months."
Maria Rodriguez

Maria Rodriguez

Los Angeles, CA

Results Summary

Credit Score

632759

Items Disputed

23

Items Removed

19

Time to Results

3 months

"Best investment I've made"

Verified userNovember 2024
4.9 avg rating2,400+ success stories
Start Your JourneyJoin 10,000+ users

Frequently Asked Questions

Everything you need to know about taking control of your credit

  • Absolutely! The Fair Credit Reporting Act (FCRA) gives you the legal right to dispute any inaccurate, incomplete, or unverifiable information on your credit report. Credit repair companies use the same laws - we just make it easier and more effective with AI-powered analysis and professional letter generation.
  • Credit bureaus have 30 days to investigate disputes (45 days if you provide additional documentation). Most users see their first deletions within 30-45 days. The average user improves their score by 82 points within 3 months, though individual results vary based on your specific situation.
  • Control, speed, and cost. Traditional credit repair companies charge $100-150/month and you wait months for results. With Sable, you generate disputes in minutes for a fraction of the cost. You see exactly what's being disputed, track responses in real-time, and our AI learns from thousands of successful disputes to optimize your strategy.
  • No! Disputing items on your credit report does not hurt your score. In fact, successfully removing negative items can significantly improve your score. The only thing that matters is the outcome - if negative items are removed or corrected, your score will likely improve.
  • You can dispute any negative item including collections, charge-offs, late payments, repossessions, foreclosures, bankruptcies, inquiries, and medical bills. Our AI analyzes each item for violations of FCRA, FDCPA, FCBA, and HIPAA to find the most effective dispute angles.
  • Not at all! Sable is designed for people at any credit level. Whether you have poor credit (300-579), fair credit (580-669), or good credit (670+) looking to reach excellent, our platform adapts to your specific situation and goals.
  • We use bank-level 256-bit encryption for all data transmission and storage. Your credit report data is never sold or shared with third parties. We're SOC 2 compliant and follow strict data protection protocols. You can delete your data anytime, and we never store your full SSN.
  • This is where Sable shines. Our AI tracks all responses and automatically suggests next steps. If a dispute is denied, we help you escalate with stronger legal arguments, file complaints with the CFPB, or pursue other remedies. Our system learns from every response to improve future disputes.