Fix Your Credit.
Unlock Capital.
Trader-grade tools meet premium credit restoration. Analyze your report, dispute negatives, and build the score that unlocks funded accounts, real estate, and business capital.
Everything You Need to Fix Credit
Analyze
Upload your credit report. Get an AI breakdown of what's hurting your score and a personalized fix plan in 60 seconds.
Start Free Analysis →Dispute
Generate FCRA-compliant dispute letters for all 3 bureaus in 3 rounds. Metro 2 citations. Download PDFs. Mail certified.
Generate Letters →Learn
Everything you need to know — how scores work, reading your report, building credit, collections playbook.
Open Library →Pick Your Path
Start free with Analysis. Upgrade when you're ready to execute.
Analysis
Know exactly what's wrong.
- ✓AI-powered report scan
- ✓Full disputable-items list
- ✓Personalized 30/60/90-day plan
- ✓Bureau-by-bureau breakdown
Repair Monthly
Ongoing done-for-you disputes.
- ✓Everything in Analysis
- ✓Monthly dispute letter generation
- ✓Round 1 → 2 → 3 escalation
- ✓All 3 bureaus tracked
- ✓Direct coaching access
Complete Credit Fix
We do everything. You get results.
- ✓Full DFY credit restoration
- ✓90-day intensive program
- ✓All dispute rounds executed
- ✓Score optimization strategy
- ✓Capital-ready in 90 days
Credit + Capital. One System.
Good credit opens capital. Trading builds capital. Together they build wealth. That's why Phimindflow runs both pillars under one roof.