About Us
We Use the Law
As Your Shield
Flow Credit Solutions exists to give every consumer access to the same federal legal tools that large consumer protection law firms use — at a fraction of the cost.
Our Story
Why We Built This Company
Built on Federal Law
Every dispute backed by FCRA & FDCPA
Credit bureaus hold enormous power over your financial life. A single inaccuracy can cost you a mortgage, raise your insurance premiums by thousands, or prevent you from renting the apartment you want. Federal law — specifically the Fair Credit Reporting Act — requires these bureaus to maintain accurate records and investigate disputes within 30 days.
Too often, they don't. The CFPB has reported a 247% increase in incorrect-information complaints. Equifax is operating under a 2025 consent order for systematic dispute handling failures. Experian faces an active federal lawsuit for conducting sham reinvestigations. The system is broken, and consumers are paying the price.
Flow Credit Solutions was founded to change that equation.
We don't use templates. We don't use AI-generated dispute letters. We don't use online portals that compress your dispute into a meaningless 2-digit e-OSCAR code. Every letter we send is written from scratch for your specific situation, citing specific federal statutes, relevant court decisions, and current enforcement actions against the bureaus.
We fight using the same legal tools that consumer protection attorneys use — FCRA Section 611 dispute rights, Section 623 direct furnisher disputes, FDCPA debt validation demands, CFPB formal complaints, and when necessary, Intent to Sue letters with itemized damages calculations. The difference is we do it for a flat $897 instead of $300-$500 per hour.
What We Stand For
Our Values
Legal Precision
Every dispute letter cites specific federal law — exact FCRA sections, binding court decisions like Cushman v. Trans Union, and current CFPB enforcement actions. We never send generic language. Every sentence has a legal purpose.
Relentless Follow-Through
We track every deadline at every bureau across every round. We don't send a letter and hope for the best. When bureaus miss deadlines, we escalate immediately. When they rubber-stamp responses, we demand proof. We never stop until every available legal option has been exhausted.
Total Transparency
$897 one-time. No monthly charges. No hidden fees. No upsells. No "premium tiers." You see every letter we send, every deadline we track, every response we receive, and every result we achieve. Your case dashboard shows everything in real time.
Results Over Everything
We measure success by items removed and points gained — not by how many letters we send. Our 47-point scan identifies the highest-impact items first so you see meaningful score improvement as early as possible. 98% success rate across 500+ items removed.
The Difference
Why We're Different
Use generic template letters
Write custom disputes citing specific statutes and case law
Submit disputes through online portals
Send every letter via USPS Certified Mail with Return Receipt
Charge $150-$200 per month indefinitely
Charge $897 once — everything included, no recurring fees
Stop after one round of disputes
Escalate through 4 rounds to CFPB complaints and Intent to Sue
Use AI-generated dispute language
Hand-write every letter with specific legal arguments for your case
Provide no visibility into the process
Give you a real-time case dashboard with every letter and response
Ready to Work With Us?
You deserve an accurate credit report. Federal law says so. Let us make the bureaus comply — with the same legal precision that consumer protection attorneys use, at a fraction of the cost.
Start Your Free Assessment