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.
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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.