Enforce YourCredit Rights
Identify inaccurate names, ghost accounts, and bureau violations automatically. Generate and submit dispute reports in minutes — not months.
Your Three Bureau Credit Pyramids
Each pyramid represents your credit score at one of the three major bureaus. Reach 809 on all three to unlock the Platinum Apex.
Slide all three to 809+ to unlock the Platinum Apex pyramid ✦
Everything You Need toFight Back
Professional-grade credit enforcement tools, now available to everyone.
Ghost Account Detection
Uncover fraudulent accounts and unauthorized inquiries dragging down your score.
Name Discrepancy Analysis
Identify inaccurate name variations that signal mixed files or identity errors.
FCRA Violation Codes
Auto-generate dispute letters with precise FCRA, FDCPA, and METRO 2 violation codes.
Bureau Submission
Submit violation reports directly to Equifax, Experian, and TransUnion.
Credit Health Score
Real-time dashboard tracking your credit health improvement over time.
Bank-Level Security
256-bit encryption protects your sensitive financial data at all times.
How It Works
From upload to resolution in four simple steps.
Create Your Account
Sign up securely and access your personal credit enforcement dashboard.
Upload Your Report
Input your credit report data from any of the three major bureaus.
Auto-Detect Violations
Our system scans for FCRA violations, ghost accounts, and name discrepancies.
Submit & Enforce
Generate violation reports with legal codes and submit directly to bureaus.
Trusted by Credit Fighters
Thousands of Americans have used OPCE to reclaim their credit rights and remove illegal entries.
"OPCE found three ghost accounts on my Experian report I had no idea existed. Within 30 days of submitting the violations, two were removed. This tool is a game-changer."
Marcus T.
Small Business Owner, Atlanta GA
"I'd been fighting an inaccurate name variation on my credit for two years. OPCE generated the exact FCRA violation codes I needed and the bureau corrected it in weeks."
Denise R.
Registered Nurse, Houston TX
"The fraud check caught a suspicious account I never opened. The automated report with the violation codes made disputing it straightforward. Highly recommend."
Jerome W.
IT Consultant, Chicago IL
"Finally a service that actually enforces your rights. OPCE monitors all three bureaus and keeps everything legal and by the book. My score jumped 47 points."
Latoya M.
Real Estate Agent, Dallas TX
12,400+
Violations Submitted
94%
Removal Success Rate
3 Bureaus
Fully Covered
FCRA
Legally Compliant
Simple, Transparent Pricing
No hidden fees. Cancel anytime.
Starter
Perfect for getting started
- ✓1 Credit Report Analysis
- ✓Basic Violation Detection
- ✓Email Support
- ✓PDF Report Export
Platinum
Most popular for serious results
- ✓Unlimited Report Analyses
- ✓Advanced AI Detection
- ✓FCRA/FDCPA Violation Codes
- ✓Direct Bureau Submission
- ✓Priority Support
- ✓Real-time Dashboard
Enterprise
For credit repair professionals
- ✓Everything in Platinum
- ✓Multi-client Management
- ✓White-label Reports
- ✓API Access
- ✓Dedicated Account Manager
