2&3 Contract Solution Credit Repair
FCRA Recovery Toolkit
Four tools to help identity-theft victims remove fraudulent accounts, understand when a new Social Security number is possible, verify every document is correct, and build strong business credit — built on the Fair Credit Reporting Act.
Credit Repair Letter Checker
Upload the PDF of your dispute letter and confirm the physical enclosures below. The checker scans against the four statutory elements of FCRA § 605B and the § 611 reinvestigation requirements to confirm your letter will trigger the 4-business-day block and 30-day investigation on the first attempt. Then generate ready-to-mail compliant letters for all four consumer reporting agencies — TransUnion, Equifax, Experian, and Innovis.
Step 1 — Your information
This fills in every letter you generate below. By default it stays in your browser only and is cleared when you leave or reload the page — unless you separately opt in to certified mail delivery further down, which does transmit your letter.
Any addresses your credit report might have on file from the past 2 years. In Step 2, we'll check that every previous address on your report actually belongs to you — flagging any that don't match one you listed here.
Step 2 — Scan your credit report for negative items (optional)
Download your free credit report from AnnualCreditReport.com as a PDF, then upload it below — or paste the text directly. Everything runs entirely in your browser using keyword/pattern matching; the file is never uploaded or sent to any server. This is a best-effort automated scan, not legal or financial advice: it can miss items or misread unusual formats, especially from scanned PDFs. Review every flagged item carefully before adding it below. We also cross-check the name, phone number, current address, and any previous addresses listed on the report against your identification in Step 1 — fill that in first (including previous addresses, if any) so we can flag any mismatch and add it as a dispute item.Drop your credit report here
PDF or Word (.docx) — or ·
Step 3 — Accounts to dispute
Items added from the scan above appear here automatically — or add accounts manually. For each one, choose a category and mark whether it resulted from identity theft. Only mark identity theft if the account genuinely wasn't opened or authorized by you.Step 4 — Identity theft verification
Only for genuine identity theft
Requesting the FCRA § 605B four-day block is a sworn legal statement that you did not open, authorize, co-sign for, or benefit from the account(s) marked "identity theft" in Step 3. Falsely claiming identity theft to remove a debt you actually owe is fraud and can carry criminal and civil penalties. Only continue if you are a genuine identity theft victim with a real FTC Identity Theft Report.
Don't have a Report Number yet? Here's what to have ready before you file at IdentityTheft.gov
- Your full legal name, date of birth, SSN, current address, phone, and email — the same details you entered in Step 1 above.
- For each account you marked "identity theft" in Step 3: the creditor or bureau name and roughly when you discovered it.
- If you know it, how the theft happened (lost wallet, mail theft, data breach, etc.) — optional, but it speeds up the interview.
- About 10–15 minutes, uninterrupted — the interview branches based on your answers.
From the report you filed at IdentityTheft.gov. Required, together with the attestation above, before the 4-day block letter can be generated.
Bureau
Upload the PDF of your dispute letter — the text is extracted right here in your browser, so nothing leaves your device. Don't upload letters containing full SSNs or bank account numbers; use placeholders like
XXX-XX-1234.
Drop your dispute letter here
PDF or Word (.docx) — or ·
Physical enclosures (confirm what's in the envelope)
Standard FCRA dispute letter
For any account in Step 3 that isn't marked "identity theft" — disputes accuracy under FCRA § 611, no identity-theft claim or sworn statement required.Identity theft 4-day block letter (§ 605B)
Gated: covers only accounts in Step 3 marked "identity theft," and stays disabled until you complete the attestation and FTC Identity Theft Report number in Step 4 above.Generate letters for all 4 bureaus at once
Downloads a ready-to-mail letter as a PDF for TransUnion, Equifax, Experian, and Innovis — one click, four files.Send this letter as USPS Certified Mail
We'll mail the letter for the bureau selected above on your behalf. Nothing is mailed automatically — your request goes to a human for review first, and no charge happens unless it's approved.
How this works and what it costs
To physically print, stamp, and mail your letter with USPS Certified Mail tracking, your name, address, and full letter text — including any Social Security Number you typed above — will be sent to PostGrid, a third-party mail-fulfillment service, once your request is approved. This is different from the rest of this tool: everything else stays in your browser, but a certified-mail request is transmitted off your device by design, because that's what's required to physically mail it. Certified Mail costs approximately $7 per letter; Certified Mail with Electronic Return Receipt costs approximately $9–$10 per letter. These are real postage costs, not a fee we keep.
Can you get a new Social Security number?
The Social Security Administration assigns you one number for life and will not issue a new one without a valid, compelling reason. Here's when it's possible — and the critical caveat about your credit history.
1
SSN per lifetime
4
Business days to block (FCRA)
5
Qualifying reasons
When SSA will assign a new number
The SSA will assign a different number only if one of the following applies:
- Sequential numbers assigned to family members are causing problems
- More than one person is assigned or using the same number
- Identity theft — you've tried to fix the misuse but continue to be disadvantaged by the original number (SSA)
- Harassment, abuse, or life endangerment (including domestic violence) (SSA)
- Religious or cultural objections to certain numbers/digits, with written documentation from your religious group
When SSA will NOT give you a new number
SSA explicitly refuses if you're trying to:
- Get a new number because your card was lost or stolen but there's no evidence anyone is using it
- Avoid the consequences of bankruptcy — a new SSN does not erase your credit history
- Avoid the law or any legal responsibility
The critical caveat
Your old and new numbers stay linked in SSA records so earnings are credited correctly (SSA Handbook §1401). A new number does not wipe your credit, employment, or medical history. Credit reporting companies match files using your SSN plus name, address, and date of birth — so using a new number "won't guarantee you a fresh start" (SSA).
Why a new SSN often doesn't help identity-theft victims
A new SSN isn't designed to erase the damage — it's meant to stop the bleeding when the thief keeps actively exploiting your old number. The real credit repair happens through the FCRA process: blocking the fraudulent accounts, freezing your credit, and disputing with the bureaus. Use the Credit Repair Checker to make sure those letters are compliant.
SSA can also place a special block on the old number to stop replacement cards from being issued, and may only grant a new SSN after you've exhausted other fixes and are still being harmed (SSA FAQ).
Bottom line
A new SSN is a last-resort tool for when a thief keeps actively misusing your number despite credit freezes and FCRA disputes — not a reset button for your credit. Fix the credit first; pursue a new SSN only if misuse persists.
SSA Application Document Checker
If you've decided to apply for a new Social Security number, the SSA requires specific original (or agency-certified) documents. Use this checklist to confirm your packet is complete before your in-person appointment. The SSA will not accept photocopies or notarized copies of most documents.
Apply in person
You must apply in person at a Social Security office. Bring original documents (or copies certified by the issuing agency) — photocopies and notarized copies are generally not accepted (SSA). Find your office and begin at ssa.gov.
Required documents
The application process
Applying because of identity theft?
Gathering SSA documents doesn't fix the fraudulent accounts themselves. Use the Credit Repair Checker to scan your credit report and generate a compliant, properly gated identity-theft dispute letter for each account you didn't open.
Net 30/60/90 Vendor Account Checklist
Trade credit accounts let a vendor ship goods or services now while you pay the invoice in 30, 60, or 90 days. Paying on time gets reported to the business credit bureaus, building a credit file for your business that's separate from your personal credit.
Also building personal credit?
The Credit Repair Checker scans a pasted personal credit report for negative items and generates ready-to-mail FCRA dispute letters — useful to run alongside your business credit file checks. If that turns up an account you never opened, the checker's identity-theft step includes a checklist of exactly what to have ready before you file at IdentityTheft.gov.
3–5
Vendor accounts to open
3
Bureaus to cover (D&B, Experian, Equifax)
90
Days to verify reporting
Phase 1 — Foundation (before you apply anywhere)
Applications submitted without a DUNS number often stall or get denied — complete these first.
Phases 2–5 — Open, pay, verify, graduate
Vendors commonly used to build business credit
Target 3–5 accounts across at least two categories, aiming for coverage of all three major bureaus.
Easy-approval net 30 starters
- Uline — shipping and packaging supplies
- Quill — office supplies (~$100 minimum first order to trigger reporting)
- Crown Office Supplies — ~$30 minimum
- Grainger — ~$50 minimum for reporting
Higher-limit net 60/90 options
- Guapaholics — net 30, 60, and 90 terms with limits from $50,000–$250,000; reports to Experian Business, Equifax Business, and SBFE
- Wise Business Plans — ~$164 minimum first order
- HD Supply
- Resolve — a net-terms platform with a curated list of net 60 vendors
For every vendor
Confirm the vendor currently reports and to which bureau, apply with your DUNS number and consistent business info, and place a real qualifying order — some vendors need 2–3 orders before reporting begins.
Do's and don'ts
Do
- Use your exact legal business name, EIN, and address on every application
- Pay early, every time — not just on time. This is the single highest-ROI habit in the entire process
- Verify reporting actually happened via Nav.com or your D&B/Experian Business file — don't assume it did
Don't
- Pay for a "premium" DUNS number — the free one from D&B works
- Apply to vendors before your DUNS number exists — applications often stall
- Assume more accounts is better — 3–5 well-chosen, verified-reporting accounts outperform a large pile of unverified ones
Educational only
This checklist is educational and does not constitute financial or legal advice. Vendor terms, minimums, and reporting practices change — confirm current details directly with each vendor before applying.
Mail requests — admin
Enter the admin passcode to review pending certified-mail requests.
Operator dashboard
Clients
Overdue
Bureau or furnisher has passed its response deadline with no reply logged.
Upcoming
Sorted by soonest deadline first, across every client.