Clear your credit.
Reclaim your legacy.
Selah Slate is a free, faith-based companion helping you draft FCRA credit-dispute letters, track bureau responses, and rebuild with scripture-grounded encouragement along the way.
Why we built Selah Slate.
This isn't another credit-repair startup. It's a mission — built around one conviction: no one should have to pay to fix errors on their own credit report.
We see families being taken advantage of.
Credit-repair companies charge $75–$150 a month to send letters any consumer can send for free under the Fair Credit Reporting Act. Many of the families who need help the most are the ones paying the most — often for months, for outcomes that are not guaranteed.
We believe stewardship is a spiritual act.
Scripture has a lot to say about money, debt, and legacy — and almost none of it involves fear. We want a tool that pairs practical next steps with the encouragement of a faith community: devotions, a journal, a testimony wall, and a reminder that God is doing a new thing, even in the financial realm.
We want to leave a legacy, not a subscription.
Selah and Stone Legacy Holdings exists to build free resources that outlive us. Selah Slate has no paywall, no ads, and no data brokering — and it never will. If it helps one family break a financial "curse," it's done its job.
"The rich rule over the poor, and the borrower is slave to the lender."— Proverbs 22:7
Our prayer is simple: that this tool helps you walk out of slavery, one dispute letter at a time.
A calm, focused dashboard.
No flashing banners. No upsells. Just your disputes, your progress, and a little encouragement.
Why Selah Slate is free — forever.
The Fair Credit Reporting Act gives every consumer the right to dispute inaccurate information directly with the bureaus, at no cost. Yet credit-repair companies charge families $75–$150 a month to do exactly that — often for months, with no guarantee of results.
Selah Slate is our answer. It's funded as a legacy initiative of Selah and Stone Legacy Holdings LLC — not a startup, not a venture-backed product, not a ministry fundraiser. There are no ads, no premium tiers, no data sales, and no investor pressure to ever add any of those things.
If Selah Slate helps one family stop paying a monthly fee for something that should be free — and gives them scripture-grounded courage while they do it — it's done its job. That's why it's free. That's why it will stay free.
Clarity before we start.
Selah Slate is intentionally simple. It's what credit-repair companies could be if the goal were really helping people — and nothing else.
✓ What we are
- An all-in-one educational companion — we analyze your credit report, draft FCRA dispute letters, track bureau responses, guide CFPB escalations, plan debt payoff, and ground the journey in scripture.
- A 35-day tracker with smart next-step guidance (MOV letters, CFPB, more).
- Faith-based encouragement paired with practical steps — devotions, journal, testimony wall.
- Free, private, and ad-free — always.
✕ What we are not — and what we do not do
- Not a credit repair company, law firm, or financial advisor.
- Not a guarantee of any specific credit-score outcome.
- Not a data broker — we never sell your information.
- Not loaded with upsells, ads, or hidden fees.
- We do not mail letters for you, negotiate with creditors, or contact bureaus on your behalf — you stay in control of every step.
Everything you need, nothing you don't.
Upload once. We'll do the heavy lifting. You stay in the driver's seat.
AI report analysis
Upload your Equifax, Experian, or TransUnion report. We pull every tradeline and flag the ones that hurt your score.
FCRA dispute letters
One-click generation of FCRA Section 611 dispute letters. Mail them yourself, at your pace, to all three bureaus.
35-day response tracker
We count the days, nudge you before the deadline, and escalate to CFPB or a Method-of-Verification letter if needed.
Private by design
Your SSN digits are encrypted. Uploaded PDFs are wiped from our servers within minutes of analysis.
Scripture-grounded
Daily encouragement, a progress journal, and a testimony wall. Credit repair rooted in hope, not in fear.
Debt-freedom calculator
Auto-populated from your report. See a month-by-month path to payoff using snowball or avalanche strategies.
Four steps. No surprises.
Create your free account
Takes under a minute. No credit card, no phone number needed.
Upload your credit report
Free from AnnualCreditReport.com. We analyze every tradeline for you.
Generate your letters
Pick what to dispute. We draft the FCRA letter for each bureau — you stay in control.
Mail, track, respond
Mail from any post office. We count the 35 days and guide each next step.
Is this really free?
Yes. We also answer a few more of the questions we hear most often.
Is Selah Slate really free?
Yes — free forever. No credit card, no trial, no "premium" plan. It's a legacy-mission tool from Selah & Stone Legacy Holdings LLC.
Are you a credit-repair company?
No. We're an educational tool. You stay in control of every letter you mail and every response you log. For legal advice, consult a licensed attorney.
Will Selah Slate guarantee my credit score goes up?
No honest tool can. Bureaus make their own decisions. What we can promise is clean, factual FCRA letters and smart follow-ups when a bureau says "verified".
What data do you collect?
Only what's needed to draft a letter: name, address, last 4 of SSN (encrypted), and the items you choose to dispute. PDF upload text is deleted within minutes of analysis. See our Privacy Policy.
Can I delete my account?
Yes — instantly, from Settings → Delete Account. All disputes, letters, journal entries, and testimonies tied to your account are permanently erased.
Why the faith element?
Because we believe financial freedom is more than a number. Scripture and practical action together produce lasting change. If that's not for you, the tool still works — the devotional content is optional.
Your slate can be cleared.
Stop paying someone else to do what you can do for yourself. Free, private, faith-grounded — and always on your side.
Start clearing your slate →