Free tools · No signup

Letters and calculators we’ve already built.

These are the same letter templates and calculations the Dot & Cross agent uses under the hood. Use them yourself — free, no email required, nothing leaves your browser. Or skip the work and join the waitlist; we’ll handle it for you.

Generator

FCRA dispute letter generator

Properly formatted credit-report dispute letter — Equifax, Experian, or TransUnion. Cites FCRA §611 and triggers the 30-day reinvestigation clock.

Open the tool

Generator

Security deposit demand letter (50-state)

State-specific demand letter with the right deadline and statute cited. Most landlords return the deposit once they get a letter that names the law correctly.

Open the tool

Calculator

Security deposit recovery calculator

Estimate your maximum statutory recovery — original deposit plus state-specific damages multiplier — with the cited statute.

Open the tool

Or skip ahead

We can run the whole process for you.

Generate the letter, send it certified, track every deadline, escalate if ignored. First month of subscription free for waitlist members at launch.