FederalClear.
Your credit, cleared by law.
The federal government gave you rights under FCRA Sections 609 and 611.
FederalClear helps you use them. Generate your dispute letters in 15 minutes.
The only thing that’s changed
is everything.
For years, credit repair meant monthly fees, false promises, and zero control. We changed that. One system. One payment. Your results.
What this removes.
Collections
Third-party debts reporting incorrectly
Late Payments
Entries beyond 7-year federal limit
Charge-Offs
Accounts with wrong balances or dates
Bankruptcies
Discharged items still showing
Repossessions
Inaccurate vehicle recovery records
Identity Theft
Fraudulent accounts you never opened
Three steps.
Fifteen minutes.
Identify
Find one negative item on your credit report. Even if it’s accurate, if the bureau can’t prove it, they must remove it.
Dispute
Fill in 4 blanks on our federal-law letter template. Mail it certified. The bureau has 30 days to investigate.
Watch
If they can’t verify your item within 30 days, federal law requires deletion. You’ll receive confirmation by mail.
$197
One payment. Lifetime access.
🔒 Secured by Stripe. 15-minute instant refund guarantee.
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The FederalClear Triple Guarantee
Letter Delivery Guarantee
Your Round 1 letter delivered to your inbox within 60 seconds—or full refund.
FCRA Compliance Guarantee
Every letter cites exact federal statute (§609, §611, §623)—or full refund.
90-Day Satisfaction Guarantee
Not satisfied? Email us within 90 days for a no-questions-asked refund.
Email [email protected] with your order number—refund processed within 48 hours.
People love it.
“I spent $89/month with a credit repair company for 6 months. Got nowhere. This worked in 45 days.”
Michael R.
Removed 3 collections in 45 days
“My score went from 580 to 707. I followed the system exactly. Bought a house 3 months later.”
Jessica T.
127-point increase
“Thought I was stuck with it forever. The bureau couldn’t verify the date. Gone in 30 days.”
David K.
Deleted old bankruptcy
Live Results From Real People
Why 2,847 people left Lexington Law for FederalClear
Stop paying monthly fees. Start controlling your own credit report.
💡 The Subscription Trap: Lexington Law makes $1,679 from you in Year 1. You get the same dispute letters we generate in 15 minutes—but you pay 8.5x more and wait 28x longer.
It’s not about the debt.
It’s about the proof.
Federal law (FCRA § 611) requires credit bureaus to verify every item on your report within 30 days. If they can’t, they must delete it. Most negative items lack proper documentation.
🏛️ FCRA § 611(a)(1)(A)
"A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation... not later than 5 business days after the completion of the reinvestigation."
Questions?
Is this credit repair?
No. Credit repair companies charge monthly fees and do the work for you. This is a one-time purchase that gives you the system to do it yourself.
Will this hurt my credit?
No. Disputing inaccurate items is a federal right under FCRA § 611. It cannot lower your score.
How long does it take?
The bureau has 30 days to respond. Most deletions happen within 30-45 days of your first letter.
What if it doesn’t work?
If you follow the system and don’t see results in 60 days, email us. We’ll refund you. No questions.