Forensic Compliance Engine

The World's First Forensic
Compliance Engine.

Stop “repairing” credit. Start auditing it.
SETTLED scans 17 financial systems to find errors others miss.

Run Your First Forensic ScanNew: See how the engine works 
Bank-Level SecurityNo Generic TemplatesStatute-Anchored Logic
SETTLED Engine — Forensic Compliance Platform

One engine. Every system.

From the big three bureaus to the shadow reports you've never seen.

ExperianEquifaxTransUnionDun & BradstreetChexSystemsLexisNexis®Early Warning ServicesUSPSIRSExperianEquifaxTransUnionDun & BradstreetChexSystemsLexisNexis®Early Warning ServicesUSPSIRSExperianEquifaxTransUnionDun & BradstreetChexSystemsLexisNexis®Early Warning ServicesUSPSIRS

One Engine. Every Financial Dispute.

Choose your lane. The Engine handles the rest.

Student Loans

Mohela or Nelnet lost your payments? We audit for IDR & PSLF errors.

Start Scan

Shadow Reports

Denied a bank account? We scan ChexSystems, EWS, and LexisNexis.

Start Scan

Business Credit

Denied a loan? We audit D&B PAYDEX and UCC filings.

Start Scan

Medical Bills

Surprise bill? We audit for 'No Surprises Act' violations.

Start Scan

Identity Theft

Someone else's debt? We identify mixed files and automate your defense.

Start Scan

Why SETTLED Beats Traditional Credit Repair.

Side by side. No spin.

Legacy Sites
SETTLED Engine
Generic Templates
Statute-Anchored Logic (§611, §809)
3 Bureaus Only
17-System Deep Scan
Manual Work
Automated 8-Stage Pipeline
Hidden Fees
Built-in USPS Certified Mail

Pricing

Start with a single scan. Scale when you're ready.

The Audit

One-time forensic scan

$29.99

one-time

  • Single document forensic scan
  • Top 5 findings report
  • Statute citations included
  • See what's hidden in your report
Scan My Report
Most Popular

The Enforcer

Full consumer power

$49.99

per month

  • 5 Precision Audits per month
  • Full violation reports with citations
  • Dispute letter generation
  • USPS Certified Mail included
  • Case tracking dashboard
  • Monthly monitoring alerts
Start Free Trial
Enterprise

The Command Center

Business + Consumer + Shadow

$99.99

per month

  • Everything in The Enforcer
  • D&B PAYDEX + Experian Business
  • ChexSystems & LexisNexis scans
  • Early Warning Services (EWS)
  • Tax lien cross-referencing
  • UCC filing analysis
  • Multi-entity scanning (LLC, Corp, DBA)
Start Business Analysis

Built From Experience

Most people don't know how to read the documents that affect their financial lives.

SETTLED was built to help people understand what they're looking at, identify problems, and take action with confidence.

Disputes, Settled.

One mission. One standard. One result.

Run Your First Forensic Scan