Why Choose Sable?
Sable isn't just a letter generator. It's a comprehensive credit repair platform powered by data, automation, and AI. Here are the features that set us apart.
Overview
Most credit repair tools are just templates. Sable is different. We combine direct integration with credit bureaus, a massive database of creditor information, and advanced AI to automate the entire dispute process from start to finish.
Data-Driven
We analyze the raw data code underlying your report, not just the summary.
Automated
From importing to mailing, we automate the busy work so you can focus on results.
Smart Creditor Database
One of the biggest pain points in credit repair is finding the right address to send your dispute to. Sending to the wrong address means your dispute gets lost or ignored.
Sable solves this with a built-in database of thousands of creditor addresses.
- Verified Addresses: We maintain up-to-date addresses for major banks, collection agencies, and lenders.
- Smart Matching: When you import your report, we automatically link accounts to the correct creditor address.
- Direct Disputes: Easily send "Direct Disputes" to creditors (often more effective than bureau disputes) without hunting for addresses.
Metro 2® Compliance Engine
Creditors use a standard format called Metro 2® to report data. It's complex code. Humans miss errors in it; Sable doesn't.
How It Works:
- ✓We parse the raw Metro 2 data from your SmartCredit import.
- ✓We cross-reference data points (e.g., Account Status vs. Payment History) to find logical inconsistencies.
- ✓We flag these "factual errors" for you, providing a powerful legal basis for your dispute.
Dispute in Minutes
Traditional credit repair can take hours of writing and printing. With Sable, you can go from import to mailed letter in less than 5 minutes.
- Import (30s): Link your SmartCredit account.
- Select (60s): Click the items you want to challenge.
- Generate (30s): Watch AI write your custom letters.
- Send (10s): Click "Send with Sable". Done.
Send with Sable
No printer? No stamps? No problem.
Sable integrates with physical mail providers to print and mail your disputes directly from the dashboard.
Certified Mail
We send via Certified Mail, providing legal proof of delivery date.
Auto-Tracking
Tracking numbers are automatically synced to your dashboard so you know exactly when the 30-day clock starts.
Automated Round Tracking
Credit repair is a multi-round fight. Keeping track of what you sent to whom and when is a nightmare with spreadsheets.
Sable organizes everything into Rounds:
- Round 1: Initial disputes sent.
- Import Update: Sable compares your new report to the old one.
- Results: We automatically mark items as Deleted, Updated, or Verified.
- Round 2: Verified items are automatically queued for Round 2 with suggested "Escalation" strategies.
