BBBureau Bypass
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A credit file disclosure showing removal dates and early exclusion countdowns

Self-help credit software

Your credit file already knows the removal date.We just show it to you.

Bureau Bypass reads your official full file disclosure from Experian, TransUnion, and Equifax and surfaces the dates buried inside it — then helps you act before they arrive. No forced monthly monitoring subscription.

See your real dates How it works
Encrypted at rest and in transit No monitoring subscription required

The difference in four lines

Typical credit appBureau Bypass
Report data Delayed third-party feeds Live official file disclosures
Monitoring fees $25/month required $0 required
Dispute letters Generic templates Written fresh every time
Removal timing Generic 7-year clock Real dates plus early exclusion

Four steps, start to sent

01

Create your secure account

Your sensitive details are encrypted before they are ever stored.

02

Request your file disclosure

We walk you through the exact path on each bureau's portal.

03

Upload it, or type it in

Drop the PDF and watch fields get pulled out — or enter accounts by hand.

04

Work your dates

See real removal dates, countdowns to early exclusion, and send letters when it counts.

Early exclusion windows

Bureaus often drop an item before its official date — and each one moves on a different schedule. We count down to yours so you know exactly when pressure pays off.

earliest mover

TransUnion

~6 months

ahead of the estimated removal date

mid-window

Experian

~3 months

ahead of the estimated removal date

latest mover

Equifax

~1 month

ahead of the estimated removal date

Resource library

Credit repair guides

Already near a removal date, or dealing with a specific item? Choose the guide that matches what you see on your credit file.

Bureau timing

Know when each bureau may remove an eligible item early.

TransUnion early exclusionThe earliest window, often up to six months ahead.Experian early exclusionHow to approach Experian's typical removal window.Equifax early exclusionWhat to expect from Equifax near the removal date.

Remove negative items

Find the right process for the item shown on your file.

Late paymentsDispute errors or request a goodwill adjustment.CollectionsVerify the debt, challenge errors, and track timing.Charge-offsUnderstand reporting dates, balances, and disputes.Hard inquiriesIdentify and dispute inquiries you did not authorize.BankruptcyReview Chapter 7 and Chapter 13 reporting periods.Medical debtApply the current rules for medical collections.RepossessionCheck first-delinquency dates and deficiency balances.Student loansCorrect reporting errors and understand default recovery.EvictionsAddress court, screening, and collection records separately.

Letters and strategy

Choose the right action before you contact a bureau or creditor.

Pay for deleteNegotiate collection deletion without overpromising results.Section 611 dispute letterUse your federal investigation rights effectively.Goodwill letterAsk a creditor to forgive an accurate late payment.Complete DIY credit repairFollow the full process from report review to follow-up.Why use credit repair softwareCompare guided software with a monthly service.

What's inside

Raw Disclosure Parser

Pulls the unedited fields most apps never show you: exact on-record-until date, dispute status code, original creditor, and first delinquency date.

Portal Assistant

Guided, step-by-step help to request your official full file disclosure in about two minutes — without accidentally starting an online dispute.

Early Exclusion Engine

Each bureau drops items early on its own schedule. We track those windows and alert you the moment yours opens.

Smart Dispute Generator

Every letter is written fresh, citing the right sections of the law — never a recycled template. Mail it yourself or send it certified in one click.

Credit Builder

Once your file is clean, switch into building mode with utilization tools and offers matched to where you actually stand.

Plans

Certified and first-class mail fulfillment available as an add-on from $5.99 per letter.

Free

$0

forever

  • Portal access guide
  • One bureau parsed
  • Basic removal dates
Start free
Most complete

Auto-Pilot

$19.99

per month, or $149/yr

  • All three bureaus parsed
  • Early exclusion countdown alerts
  • Unlimited custom dispute letters
  • Dispute pacing guardrails
Go Auto-Pilot

90-Day Pass

$49

one time

  • Every paid feature for 90 days
  • Best for 1–3 problem accounts
  • No renewal
Get the pass

Built to keep you out of trouble

Bureau Bypass is do-it-yourself software, not a credit repair company, and it does not promise any specific score change. Pacing limits keep you from firing off back-to-back submissions that get flagged as frivolous, and raw disclosure files are cleared from memory once they've been read.