Dispute Infrastructure
FCRA §611FCRA §623FCRA §605FDCPA §809
Primus / Insights — Dispute Execution Engine

Your file has errors.
Your lender already knows.

Primus Insights generates certified USPS dispute filings across all three bureaus. SHA-256 hash-chained. Tamper-evident. Proof your lender can verify.

Analyze Your File Free → See How It Works →
Step 01 — Drop Your Report
Drag & drop credit report
PDF · JPG · PNG · Max 15MB · No account required
Analyze Your File Free →
Equifax—Experian—TransUnion—Certified USPS Mail—SHA-256 Hash Chain—30-Day FCRA Clock—Tamper-Evident Records—Proof Link Generated Equifax—Experian—TransUnion—Certified USPS Mail—SHA-256 Hash Chain—30-Day FCRA Clock—Tamper-Evident Records—Proof Link Generated
FCRA §611 · §623 · §605
Certified USPS — All Three Bureaus
SHA-256 Tamper-Evident Record
30-Day FCRA Clock Enforced
The Problem

The bureau had 30 days to fix it. Day 31 — still there.

1 in 5
Americans with material credit error
Source: FTC Report to Congress
$0
Bureau obligation without certified dispute
FCRA §611(a) — filing requirement
30
Days FCRA forces response if filed correctly
FCRA §611(a)(1)(A)
How It Works

Four steps. One certified record.

Day 0 · Upload
→
Day 0 · Generated
→
Day 1 · Mailed
→
Day 3 · Proof
→
Day 30 · Response Due
01

Upload Report

Drop your credit report. SHA-256 hashed on receipt. Cross-referenced against Equifax, Experian, and TransUnion simultaneously.

02

Disputes Generated

FCRA-compliant letters generated per account, per bureau. Statutory language. Correct citations. Not templates.

03

Certified Mail Sent

USPS certified mail dispatched to all three bureaus. Tracking number recorded. Delivery confirmation cryptographically bound to case record.

04

Proof Produced

Lender-verifiable proof link. SHA-256 hash chain. Tamper-evident audit log. Every event timestamped, signed, and shareable.

Pricing

One-time engagement. Lifetime audit chain.

Tier 01
Deal Documentation
$297One time · Per file
Single-file execution. Disputes filed to all three bureaus. Proof link delivered. Lender-verifiable audit record.
  • FCRA-compliant dispute filings
  • Certified USPS — all three bureaus
  • SHA-256 hash-chained proof link
  • 30-day FCRA clock tracked
  • One-time engagement
FCRA Compliance Guaranteed or Refund + Refile Free
Select Documentation →
Tier 02 · Most Selected
Deal Protection
$1,497One time · Per file
Full documentation tier plus escalation filings on non-response. Priority execution. Extended audit record.
  • Everything in Documentation
  • Non-response escalation filings
  • Creditor-direct filings (FDCPA §809)
  • Priority execution queue
  • Extended lender-verifiable audit record
  • Direct operator line
FCRA Compliance Guaranteed or Refund + Refile Free
Select Protection →
Tier 03
Full Enforcement
$4,500One time · Per file
Enforcement tier. Multi-round disputes. Creditor & bureau filings. Legal-ready exhibit preparation.
  • Everything in Protection
  • Multi-round dispute execution
  • Legal-ready exhibit packaging
  • Attorney-requested format available
  • Unlimited escalation filings
  • Dedicated case operator
FCRA Compliance Guaranteed or Refund + Refile Free
Select Enforcement →
Who Uses Primus

Two audiences. Same record.

Close files that would've died

Credit exceptions no longer end the file. Certified dispute execution with lender-verifiable proof turns a denied DU into a re-run in 30 days.

Ship the proof, not the promise

Underwriters see SHA-256 hashed delivery confirmations. Tamper-evident record. No "we filed it" — they can verify.

30 days — or bureau defaults

FCRA §611 gives the bureau 30 days. Correctly filed, delivered, documented. No response equals statutory default.

Your rate was based on your file

Disputing by phone leaves no record. Disputing through Primus builds a tamper-evident record your lender can use immediately.

Deal velocity for agents

A client's credit is blocking the contract. Primus ships certified disputes in 48 hours — keeps the contract alive while the file is repaired.

Proof link — shareable

One URL. Shows every filing, every delivery confirmation, every hash. Share it with your lender, your realtor, your attorney.

Proof In Action

Every event. Hash-chained.

Live audit record. Lender-verifiable. Tamper-evident. This is what your underwriter sees — not a screenshot, a cryptographic record.

PrimusInsights
Live Audit Record
Active Cases
PI-4F21-A9Delivered
PI-82C3-D1Confirmed
PI-19B7-6FDelivered
PI-E403-22Pending
PI-7A1F-88Confirmed
Case PI-4F21-A9 — Bureau Delivery
Equifax
9405 5036 9930 0412 3301 77
Delivered · 2d 14h ago
Experian
9405 5036 9930 0412 3302 84
Delivered · 2d 11h ago
TransUnion
9405 5036 9930 0412 3303 91
Delivered · 2d 09h ago
SHA-256 Audit Chain · 8 Events
00:00:01Case initialized — hash chain genesisa3f1…e9c2
00:00:04Disputes generated — 3 bureaus, 6 accountsb8d4…417a
23:47:12USPS deposit · Equifaxc217…9f31
23:47:14USPS deposit · Experiand408…b02e
23:47:16USPS deposit · TransUnione5f3…1a8b
47:33:09Delivery confirmed · TransUnionf621…c448
49:12:46Delivery confirmed · Experian0712…a83d
50:48:02FCRA 30-day clock initiated — all three bureaus18a4…7fc1
Sample Proof Packet
View what your lender receives →
↗
How It Works — Real Scenarios

Execution, documented.

Disputing by phone leaves no record.

FCRA §611(a) — Written Filing Required

The same error is on all three bureaus.

FCRA §623(a) — Furnisher Accuracy

Check your file. It's free.

Drop your credit report. Get the dispute analysis in under two minutes. No account. No credit card. SHA-256 hashed on receipt.

Analyze Your File Free →