Questions
Longer answers are in our guides.
How do I fix a mistake on my credit report?
Send the credit bureau a letter. Say which item is wrong and why, and add copies of any proof. ZungiDill writes that letter from what you mark and keeps track of the answer.
Is this credit repair?
No. ZungiDill is a tool you use yourself. Nobody does it for you, and nobody charges you every month for promises. You decide what's wrong, and you send your own letters.
Where do I get my credit report?
Free at AnnualCreditReport.com, the official site. Save each report as a PDF and open it in ZungiDill. The Support page walks you through it.
What does it cost?
Checking your report and writing letters is free. You pay only when a letter is ready to print, save or send. You can pay for one letter at a time or use the monthly plan. You see the price before you pay. See prices
Can I use it for someone else?
No. ZungiDill only works with your own credit report. If a report is in another name, the app stops and won't use it.
What if they cannot prove it?
Then it has to be fixed or taken off your report. That's the law if the company that reported it can't show it's right: 15 U.S.C. 1681i(a)(5).
What if the item is mine and it is right?
ZungiDill won't tell you to call it wrong. It shows you other options instead. One is a goodwill letter, where you ask the lender to remove a late payment that really happened.