{"uid":"cap_7RQHEETk-v8D_oS-niQUI","slug":"debtpulse-credit-repair-roadmap-dispute-strategy-18de0f32","name":"DebtPulse Credit Repair Roadmap & Dispute Strategy","description":"Credit repair roadmap and negative-item dispute strategy. Returns a step-by-step plan to remove negative items, raise your credit score, and a repair timeline, tailored by country. For credit-repair and debt-relief agents.","url":"https://debtpulse.theaslangroupllc.com/api/debt/credit?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","properties":{"properties":{"type":"string"}}},"responseSchema":{"type":"json","errors":{"400":{"example":{"error":"invalid request"},"description":"Invalid or missing parameter(s). Returned before the payment gate on paid requests, so a malformed call is never charged. JSON body: { error: <what is wrong and how to fix it> } plus usage hints."},"402":{"description":"Payment required — x402 v2 challenge; the accepts array lists scheme, network, and amount. Retry the same request with a PAYMENT-SIGNATURE (v2) or X-PAYMENT (v1) header. Verification is free."},"500":{"example":{"error":"upstream_failed"},"description":"Unexpected server error. If a payment settled without a usable result, contact info@theaslangroupllc.com with the settlement tx hash for a re-run or credit."}},"example":{"action":"minimum-payment","balance":8500,"rate_apr":24.99,"minimum_payment":170,"payoff_years_minimum":8.4,"total_interest_minimum":8940,"interest_saved_extra_100":5200}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.1","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":{"p10Cents":"8.0000","medianCents":"8.0000","p90Cents":"8.0000","minCents":"8.0000","maxCents":"8.0000","p95Cents":"8.0000","sampleCount":1,"varies":false,"failureChargeRate":1},"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.1/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_gqNbmfUOWGoT1LTwfsGBf","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.1","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns a country-tailored, step-by-step credit repair plan including a negative-item dispute strategy, score improvement actions, and a repair timeline.","exampleAgentPrompt":"I have several negative items on my credit report — two collection accounts and a late payment — and I want a step-by-step dispute strategy and timeline to clean them up and raise my score. I'm in the US.","exampleUseCases":[{"title":"Remove collection accounts from credit report","prompt":"I've got three collection accounts on my credit report that are tanking my score. Walk me through the exact steps I should take to dispute each one, and tell me what I can realistically expect in terms of timeline and score improvement. I'm in Canada."},{"title":"Fast-track credit recovery after charge-off","prompt":"I had a charge-off show up on my credit report last year and it's really hurting me. I need a concrete plan with specific dispute tactics and a timeline for getting it removed or its impact minimized. Give me something I can start working on this week. I'm based in Australia."},{"title":"Organize multiple negative items dispute strategy","prompt":"My credit report is a mess with late payments, a judgment, and some old accounts in collections. Instead of tackling this randomly, I need you to prioritize which items I should dispute first, give me the exact steps for each one, and show me when I can realistically expect my score to recover. I'm in the UK."}],"resultDescription":"A structured, country-tailored credit repair plan including: ordered steps to dispute each negative item, recommended dispute methods and letter guidance, projected score improvement milestones, and an estimated repair timeline.","failureModes":["Missing or unsupported country parameter returns an error or generic fallback plan","Overly vague input yields a generic roadmap rather than a targeted strategy","Service downtime returns a 402 or 5xx HTTP error","Edge cases like bankruptcy or fraud disputes may not be fully covered"],"whenToPreferThis":"Use this endpoint when a user needs a concrete, actionable credit repair roadmap with dispute steps and a timeline, especially when country-specific guidance is important. Prefer over generic credit-score advice endpoints when the user has specific negative items to remove.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-29T13:13:02.777Z","isFirstParty":false,"canonicalSlug":"debtpulse-credit-repair-roadmap-dispute-strategy-18de0f32"}