Step 01
I find what doesn't match
I read your reports line by line and flag the details that don't agree — each one tied to the exact page and excerpt that supports it.
Meet Alaya
Get the negatives off your credit.
So you can get approved for the house, car, or loan you’re waiting on.
Upload your report and I read every account, flag the negatives that don't belong, and write a personalized dispute letter for each bureau — so you can work toward the house, car, or loan you're waiting on.
Personalized letters • No monthly commitment • You approve every letter
Sample report analysis · outcomes vary · illustrative only
A look inside Alaya
One clear place for every detail of your dispute.
I show you what I found, where it came from, and what goes into each letter — without ever losing your place.
Come see what I foundAlaya portal
My dispute
Alaya reviewed your report
Choose what belongs in your personalized bureau letters.
7
Accounts
4
Negative
3
Positive
Negative accounts selected
Negative does not automatically mean wrong.
Northwind Card
•••• 4821 · Experian
Summit Auto
•••• 1904 · TransUnion
Alaya writes
3 personalized letters
ExperianTransUnionEquifax
To Experian:
I’m writing about the Northwind Card account ending 4821. My report shows a March payment status that conflicts with the account history shown elsewhere…
Uses your report facts
Mail room
Round 2 · 3 letters
Waiting to sendIncluded
Waiting to sendIncluded
Updated portal
One guided case. One saved file.
Current Alaya portal design · fictional sample information · outcomes vary
Start here
Send me your report. I’ll find what to dispute.
Upload the report from each bureau. I read every account, flag the negatives that don’t hold up, and tell you plainly which ones I can’t defend.
Why it matters
What your credit is standing between you and.
Here's the truth: you don't care about the score itself — you care about what it's blocking. A mortgage. A car loan. An apartment. When a negative is inaccurate or can't be verified, disputing it is how we clear the path to a yes.
Fix what's wrong
I ask the bureau to verify a payment status, date or personal detail that conflicts with your evidence.
Challenge what they can't back up
If a bureau can't verify something after investigating my dispute, it may come off your report.
Update what's outdated
I ask them to correct a stale balance or status so your report reflects where you actually are.
Your result depends on your individual credit file. Accurate negative information can remain, and Alaya does not promise deletion or a score increase; every request stays personal, factual and evidence-based.
How accurate reporting can help
ConceptualBefore review
Report may contain a mismatch
After investigation
Record may be corrected or verified
A more accurate report can affect the score calculated from it.
The result depends on what changes, the rest of your credit file and the scoring model used.
How it works
Let’s work through your report together.
01
Send me your report
Start with your real credit report, not a questionnaire. I read what the bureaus are actually saying about you.
02
I check every detail
I go through each account line by line and tell you plainly which negatives I can dispute — and which ones I can't defend.
03
You approve every word
I write a letter for each bureau from your own facts. You read it, adjust it, and give it the final go-ahead.
04
Get it out the door
Download your letters to mail yourself, or let me handle the mailing with your ID and proof of address attached.
Side by side
You’re not doing this alone.
Equifax, Experian, TransUnion—we’ll go one bureau at a time. I’ll explain each step like a friend would, and you approve everything before it goes out.
What Alaya actually does
Your details in. A clearer path forward.
Step 02
I write your letters
Each bureau gets a letter about only what it reports about you, in plain language you review and approve before anything is finalized.
✓✓
prior
updated
Step 03
We track what changed
Your letters, bureau responses and updated reports stay together, so each round starts from new evidence — not an automatic timer.
What you get
Not a template with your name added. A letter I built from your facts.
I show you exactly what I found
Creditor, last four digits, the exact field and where it came from — so you always know what I'm disputing and why.
A letter for each bureau
Equifax, Experian and TransUnion each get only the facts connected to what they report about you.
100,000+ letters of insight
My letter framework draws on more than 100,000 dispute letters developed by experienced credit specialists and attorneys.
I keep your rounds organized
Every letter is saved with its date, version and dispute round, so we can see what changed round by round.
When your new reports come in, I compare
I'll show you what changed, what stayed the same, and what deserves a closer look before your next round.
Mail it your way
Download the packet yourself, or review the full packet and price before I send anything for you.
Send it off
Letters ready. Mail them yourself, or let me.
Take your letters as PDFs and mail them yourself, or let me send them from the mail room with your ID and proof of address attached. You'll see the price before anything goes out.
Pricing
Start free. Go unlimited for $39.
Free
$0forever
Create your account and see what's on your report.
- Upload your credit report
- Full account review, positive and negative
- Personalized letters for each bureau
- Download PDFs and mail them yourself
- Optional mailing at $5 per letter
Alaya Plus
$39/month
Everything, for as many dispute rounds as you need. Cancel anytime.
- Unlimited dispute rounds
- Letters for all three bureaus every round
- Mailing included, no per-letter charge
- Response comparison and full round history
- A framework informed by 100,000+ specialist- and attorney-developed letters
- Or $349/year
No result is guaranteed. Mailing begins once our mailing service launches.
FAQ
Straight answers.
What do you look for in my report?
Factual discrepancies you can point to: conflicting payment statuses between bureaus, balances that contradict a paid or closed status, mismatched dates, duplicate accounts, and personal information that doesn't match yours. I don't treat negative information as an error just because it's negative.
Will items be removed from my report?
No one can guarantee that — not me, not anyone. The bureaus must investigate disputes, and accurate information can stay on your report. What I can do is make clear, evidence-based requests for you.
Do I have to answer a lot of questions?
No. There's no mandatory interview. You can optionally add details or supporting documents to any letter.
Are my letters really personalized?
Yes. Each letter I write is organized around the accounts, bureau reporting, evidence and personal details you confirm. I never just place your name on a generic letter.
What does the 100,000+ letter experience mean?
My letter framework draws on patterns and experience from more than 100,000 dispute letters developed by credit specialists and attorneys familiar with consumer credit disputes. Your letter is still based only on your facts, and Alaya is not a law firm or a substitute for legal advice.
How does mailing work?
You can always download your letters and send them yourself. If you'd rather I mail them, you approve a final packet — letter, ID and proof of address — with the price shown before anything goes out.
How do new rounds work?
A new round starts when there's something new: an updated report or a bureau response. I won't resend letters on a timer.
Which report formats are supported?
PDF and image formats are planned. The exact supported sources will be confirmed at launch.