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Desktop software · Mac + Windows

They have 30 days.
You have the software.

Redline is software, not a credit repair company. It reads your three reports, flags what may be inaccurate, drafts letters you review and sign, and tracks the deadlines the law sets. You do the disputing. It does the paperwork.

Buy Redline · $100 See the software

$100 one time  ·  One person, one copy  ·  Stays on your computer

Redline does not repair credit for you and does not promise removals or score changes. Accurate information can't be removed. Results depend on your own reports.

00 · TODAY

Open it. It tells you what to do first.

One list, ordered by what runs out soonest. A missed deadline sits at the top in red with the demand ready to print.

Today

Utilization0%$5,244 of $16,500
Live findings010 high severity
Clocks running01 past due
Next deadline0d overEquifax blew the 30-day deadline on CAPITAL ONE ••1234
Do this first · ordered by what runs out soonest
Equifax blew the 30-day deadline on CAPITAL ONE ••1234Due Jul 16, 80 days ago, no response. Send the deletion demand: § 1681i requires deletion when the reinvestigation isn't completed in time.
80over
FDCPA claim expires in 115 days: PORTFOLIO RECOVERY ••3321Collection parked without notice. 15 U.S.C. § 1692k(d) runs out Jan 27, 2027.
115days
Pay $2,710 before this statement closesAt 84% this card is dragging the whole file. $2,710 gets it under 30%. Closes in 3 days.
3days
01 / 04 · IMPORT

Three reports in. Every issue flagged.

Drop in the free PDFs from all three bureaus. Redline reads every account side by side and checks each one against the rules in the law. It flags. You decide.

  • Equifax
  • Experian
  • TransUnion
  • Runs after every import
Equifax SEP 27 2026
CAPITAL ONE ••1234$4,210
PORTFOLIO RECOVERY ••3321$1,180
ALLY FINANCIAL ••7788$12,400
CITIBANK ••2020$610
Experian SEP 29 2026
CAPITAL ONE ••1234$4,210
PORTFOLIO RECOVERY ••3321$1,180
ALLY FINANCIAL ••7788re-aged
CITIBANK ••2020$610
TransUnion OCT 1 2026
CAPITAL ONE ••1234$3,880
PORTFOLIO RECOVERY ••3321$1,180
ALLY FINANCIAL ••7788$12,400
CITIBANK ••2020$610
MISMATCH Capital One balance differs across bureaus
7 YEARS Portfolio Recovery is obsolete: must be deleted
RE-AGED Ally re-reported with a newer date
DEADLINE Equifax missed the 30-day reinvestigation
0findings found
02 / 04 · ODDS

Where your case is strongest.

Each negative account gets an estimate from its own facts, with every reason shown, so you start with the strongest dispute. Estimates, not promises.

  • Estimates, not guarantees
  • Every reason shown
  • Sample data
The law requires deletion
PORTFOLIO RECOVERY ••3321 CompelledObsolete, past seven years
0%
CAPITAL ONE ••1234 CompelledThey blew the 30-day deadline
0%
ALLY FINANCIAL ••7788 CompelledReinserted without notice
0%
Very likely
MIDLAND FUNDING ••4471Collector can't produce the contract
0%
Good chance
CITIBANK ••2020Charge-off, balance disputed
0%
SYNCHRONY ••9015Two late payments, 2024
0%
03 / 04 · LETTERS

Letters you sign, not templates you rent.

Written from your accounts, your findings and your proof. Checked before you print for everything that gets a dispute bounced.

  • Bureau and direct disputes
  • Validation demands
  • Identity-theft blocks
Equifax Information Services LLC · P.O. Box 740256 · Atlanta, GA 30374
Re: Request for reinvestigation of disputed information
I am writing to dispute one item in the credit file you keep on me,
and to ask that you reinvestigate it. Below I have set out what you
are reporting, what is wrong with it, and what shows it.
 
CAPITAL ONE BANK USA NA, account ending 1234
Your report dated September 27, 2026 shows a balance of $4,210.
For the same account, TransUnion reports $3,880. My statement
dated the 3rd shows $3,880, and I have attached it. The figure
you are reporting has never been the balance on this account.
 
Under 15 U.S.C. § 1681i you have 30 days to reinvestigate and
to correct or delete this item. Please send me the results.
Letterhead complete
Copy of ID enclosed
Proof of address enclosed
Statement attached
Mailed · certified
04 / 04 · DEADLINES

When they miss, you'll know.

Mark it sent and the clock starts. The bureau has 30 days to respond. If they miss it, Redline drafts the follow-up letter the law allows. You decide whether to send it.

  • § 1681i · 30 days
  • Validation · 30 days
  • Method of verification · 15 days
30days left
Equifax missed it. Get the software

The app

Every screen, built for the work.

Redline, running on a Mac with sample data. A desktop app, not a website: your reports and letters never leave your computer.

Today screen with utilization, findings, dispute clocks and next deadline
Today: what to do first, ordered by what runs out soonest.
Strategy screen with the fastest moves available
Strategy: every route, tagged compelled or legal right, with how long it takes.
A drafted dispute letter with pre-send warnings
The letter, with the pre-send checks that keep it from bouncing.
One account's plan with odds and exact steps
One account, every method open to you, exact steps with due dates.
Utilization screen with what to pay on which card
Utilization: what to pay, on which card, before which date.
Bureaus screen with addresses and the secondary bureaus
Addresses, phone numbers, and the secondary bureaus to freeze.

Why do it yourself

Why pay for credit repair when you can do it yourself?

The rights are yours under the law, whoever mails the letter. Redline is software that helps you use them yourself. It is not a service and it does not promise results.

A credit repair company

Pays someone else to send your letters

  • A monthly fee for as long as it takes
  • Your reports, SSN and letters in their system
  • Template letters, one round at a time
  • You wait to be told what happened
Redline

You hold the pen. Redline does the reading.

  • One copy, one time. No subscription.
  • Everything stays on your own computer
  • Letters built from your accounts, findings and proof
  • A clock on every deadline the law sets

Questions

Straight answers.

Is Redline a credit repair service?

No. Redline is software. You buy a licence for a desktop app and use it yourself on your own Mac or Windows computer. Built On Dreams LLC is not a credit repair organization and does not perform credit repair or any other service for you: nobody contacts the bureaus for you, sends letters for you, or holds your reports. You decide what to dispute and you sign what goes out. See the Terms.

Does it guarantee removals or a higher score?

No, and anyone who does is lying. Redline does not guarantee any removal or score change. The odds it shows are estimates from your own report. Accurate, timely information cannot be removed, and the app will not help you try.

What do I need?

Your three credit reports as PDFs (free at AnnualCreditReport.com), a printer or the online mailing option, and about an hour for the first setup. A Mac or a Windows PC.

Does it run on my phone?

No. Redline is a desktop app for Mac and Windows. The work (reading reports, building letters, enclosing proof) is desk work.

How much does it cost?

$100 for your copy. One person, one time, no subscription.

Can I share my copy?

No. Each copy is licensed to one person's legal name and accepts only that person's reports. Someone else who wants Redline requests their own.

Is it legal to dispute my own credit?

Yes. The Fair Credit Reporting Act gives you the right to dispute anything inaccurate, incomplete or unverifiable, and sets the deadlines the bureaus must meet. Redline quotes the law and builds letters from facts you confirm. Only dispute what's actually wrong.

Get the software

Redline desktop software. $100, one time.

A licence for one person, for Mac or Windows. Pay securely with Stripe, and your private download link and activation key arrive by email.

  1. Pay below. Enter your full legal name as it appears on your credit reports.
  2. Get an email with your download link and key, usually within minutes.
  3. Download, install, press Activate.
$100one time · no subscription
Buy Redline

Secure checkout by Stripe. You are buying a licence for software, not a credit repair service. Redline does not promise any result. By buying you agree to the Terms and Privacy Policy. All sales are final.

Questions first? Ask below.

Questions first

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