Question 1

How do I get student loans off my credit report?

Accepted Answer

Most student loan tradelines on a credit report contain at least one inaccuracy — payment count, deferment dates, or account status. SETTLED ingests the actual servicer statement, identifies the FCRA §1681s-2 violation, and generates a polymorphic dispute letter targeting the specific error. The bureau has 30 days under FCRA §611 to investigate and either verify or delete the item.

Question 2

How does SETTLED bypass the e-OSCAR automated dispute system?

Accepted Answer

Credit bureaus use e-OSCAR to instantly flag and dismiss copy-and-paste templates. SETTLED's engine generates polymorphic letters — every output randomizes structure, opening, statute sequencing, and phrasing so no two letters are identical. The match rate against template detection is effectively zero.

Question 3

Is SETTLED an FCRA violation dispute letter generator?

Accepted Answer

Yes. SETTLED parses your uploaded document (credit report, collection notice, student loan statement, or tax lien) for FCRA §1681s-2 and FDCPA §809 violations, then anchors each dispute to the specific federal statute the bureau or furnisher violated.

Question 4

Can SETTLED handle business credit error correction?

Accepted Answer

Yes — the Business Tiers plan handles Dun & Bradstreet, Experian Business, and Equifax Small Business tradelines. It maps commercial-credit-specific statute violations and generates disputes anchored to your business credit file.

Question 5

Can SETTLED remove closed collections from my credit report?

Accepted Answer

If the closed collection has any reporting inaccuracy (date of last activity mismatch, balance discrepancy, unverified status, missing furnisher data), SETTLED identifies the violation and demands deletion under FCRA §611. Accurate closed collections remain on the report for 7 years.

Question 6

Is SETTLED a law firm?

Accepted Answer

No. SETTLED is document-anchored dispute infrastructure. We are not attorneys and do not provide legal advice. The platform generates letters you send to bureaus and furnishers under your own name, citing the federal statutes that apply to your documented errors.

Question 7

How is my data protected?

Accepted Answer

Documents are processed ephemerally in-memory and never written to disk. AES-256 encryption in transit. Stateless by design — once the dispute is generated, the file is discarded. We do not sell, share, or retain document contents.