# Creviso

> Creviso is an independent UK credit report review and dispute support platform. We help consumers identify errors, unfair entries, and unenforceable debts on their credit files, then guide them through the formal dispute process with lenders, credit reference agencies (CRAs), and debt collectors. Tagline: "Because accuracy matters."

Creviso is a self-serve SaaS — not a credit repair company. We do not promise outcomes, contact creditors on your behalf, or manage your money. We provide analysis, statutory letter generation, deadline tracking, and a complete evidence chain so consumers can exercise their rights under UK GDPR (Art. 16 — right to rectification) and the Consumer Credit Act 1974 (s.77/78 and s.159).

## Who it is for

- UK consumers reviewing their statutory credit file (Experian, Equifax, TransUnion)
- People disputing inaccurate, outdated, duplicate, or unfair entries
- People challenging pre-2007 debts that may be unenforceable
- People dealing with debt collectors and wanting FCA/CONC complaints handled correctly
- Mortgage applicants and tenants who need their file accurate before applying

## How it works

1. **Upload** a recent credit report (PDF) from any UK CRA or aggregator.
2. **Analysis** — our deterministic + AI engine flags 22 categories of issues: cross-bureau mismatches, arrears history errors, duplicate accounts, electoral-roll mismatches, unenforceable accounts, defaults past the 6-year horizon, and more.
3. **Lender-First disputes** — we draft plain-English UK letters citing the correct statutes, sent to the lender (data controller) before the CRA, with parallel notification to the CRA.
4. **Deadline tracking** — every letter is tracked against statutory response times (12 days for s.77/78, 28 days for CRAs, 8 weeks for FCA complaints).
5. **Postal delivery** via Pingen with proof of postage; replies are classified and surfaced with the appropriate next-step (escalation to FOS, ICO, or rejection of reconstituted agreements).
6. **Evidence chain export** — FOS- and court-ready JSON and summary exports if the matter escalates.

## Pricing

- **Standard credit report review & dispute support: £179** (one-time fee, no subscription).
- **FairCollect** (debt collector complaint support, sold as a post-analysis upsell): £59 / £99 / £139 tiers depending on complexity.
- Payment unlocks the analysis and letter-generation engine. There are no recurring charges.

## Key public pages

- [Home](https://www.creviso.net/) — Product overview, deadline tracking emphasis, pricing summary.
- [How it works](https://www.creviso.net/how-it-works) — The three-step user journey, statutory basis, and what Creviso does and does not do.
- [Get started](https://www.creviso.net/start) — Client onboarding (account creation, credit-report upload).
- [Partner signup](https://www.creviso.net/partner/signup) — For brokers, advisers, and agencies referring clients (£40 per case, weekly payouts).
- [Partner lookup](https://www.creviso.net/partner-lookup) — Verify a referral code before checkout.
- [Privacy](https://www.creviso.net/privacy) — UK/EU data processing, US data controller, GDPR rights.
- [Terms](https://www.creviso.net/terms) — Service terms, referral disclosure, no-outcome-guarantee statement.

## What Creviso does NOT do

- We do not call ourselves "credit repair" and we do not promise score increases.
- We do not sign letters on your behalf — you remain the legal sender of every letter.
- We do not negotiate debts, collect payments, or act as an FCA-authorised firm.
- We do not provide legal advice. Our materials are informational and template-based.

## Compliance and legal basis

- Letters cite **UK GDPR Article 16** (right to rectification / restriction) and **Consumer Credit Act 1974 s.159** (CRA correction notices) and **s.77/78** (lender duty to provide a true copy of the agreement).
- All letters are written in UK English with plain-language explanations.
- Partner referrals are disclosed in our terms; partners never receive client PII.

## Contact and discoverability

- Canonical domain: **https://www.creviso.net**
- Sitemap: https://www.creviso.net/sitemap.xml
- Plain-text overview: https://www.creviso.net/about.txt
- Substack: https://creviso.substack.com/