Good morning, Jordan 👋
Monday, March 30, 2026
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0
Letters Sent
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0
Active Disputes
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0
Items Removed
Credit Scores
Import your report to see your scores
EXP
Experian
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No report imported yet
EQX
Equifax
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No report imported yet
TRU
TransUnion
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No report imported yet
Credit Progress
Tracks your score improvement over time
📈
No report imported yet
Import your credit report to start tracking your score progress over time.
AI Insights
Smart recommendations for you
✨
AI insights unlock after import
Once you import your credit report, our AI will identify your highest-impact disputes and recommend a strategy.
Recent Letters
EXP
Experian — Capital One Collection
Sent
EQX
Equifax — Late Payment · Discover
Pending
Upload Credit Report
Upload a full PDF or screenshot of specific negative items — our AI extracts everything
Drop your credit report here
Full PDF report or screenshots of specific negative items
PDF · JPG · PNG · WebP · Max 25MB
📋What to upload
✓Full 3-bureau PDF — from IdentityIQ, SmartCredit, myFICO, or AnnualCreditReport.com
✓Screenshots of negative items — collections, late payments, charge-offs, inquiries
✓Single bureau report — Experian, Equifax, or TransUnion individual reports
✗Credit Karma or Vantage scores — these don't show the raw account data we need
🔒Your data is safe
✓Files are encrypted with 256-bit AES during upload and storage
✓Only you can view your report — protected by Row Level Security
✓We never sell or share your data with third parties
✓FCRA-compliant data handling
Select Items to Dispute
Upload your report first to see your negative items
No report uploaded yet
Upload your credit report and we'll extract every negative item, ready for you to select and dispute.
My Letters
Download, send, and manage your dispute letters
No letters generated yet
Upload your report and select items to dispute — your Round 1 letters will appear here.
Dispute Tracker
Real-time status of every dispute filed
No disputes filed yet
Once you generate and send letters, your dispute timeline will track every step from submission to resolution.
Your Membership
Manage your plan and billing
⭐ Current Plan
Gold Membership
Renews April 1, 2026 · $39.99/month
✓ Unlimited Letters
✓ Letter Customization
✓ Progress Tracking
✓ Priority Support
Compare Plans
Starter
Basic
$29.99/mo
- ✓ 10 letters/month
- ✓ PDF downloads
- – Certified mail
✓ Your Plan
Growth
Gold
$39.99/mo
- ✓ Unlimited letters
- ✓ Customization
- ✓ Priority support
Premium
Luxury
$49.99/mo
- ✓ Everything in Gold
- ✓ AI insights
- ✓ Auto certified mail
Account Settings
Manage your profile and preferences
👤
Personal Information
🔔
Notifications
Credit Analysis
A full breakdown of every item on your report across all three bureaus
6
Negative Items
14
Total Accounts
8
In Good Standing
31%
Utilization
📊
Score Factor Breakdown
Payment History
35% weight
6 late payments on record — improving
Amounts Owed
30% weight
31% utilization — aim for under 10%
Length of History
15% weight
Avg account age: 4.2 years — good
New Credit
10% weight
2 hard inquiries in last 12 months
Credit Mix
10% weight
Mix: revolving, installment, collection
✨ AI
Priority Dispute Queue
Ordered by estimated score impact. Dispute these first.
1
Capital One Collection — $1,240
Est. impact: +30–45 pts · All 3 bureaus
2
Midland Credit Collection — $480
Est. impact: +15–25 pts · TransUnion
3
Discover Late Payments ×2
Est. impact: +10–18 pts · Equifax
4
Hard Inquiry — Comenity Bank
Est. impact: +5–8 pts · Experian
All Accounts (14)
Notifications
Stay up to date on every dispute, response, and update
Recent Alerts (4 unread)
📬
Experian received your dispute letter
Your Capital One dispute was delivered via certified mail and confirmed received. Expect a response within 30 days.
Today, 9:14 AM
🎉
Item deleted! Portfolio Recovery removed
TransUnion has confirmed the Portfolio Recovery collection account has been permanently deleted from your report.
Yesterday, 3:42 PM
✨
New AI insight available
Your AI advisor has identified a new high-impact dispute opportunity with an estimated score gain of 22–30 points.
Mar 28, 11:00 AM
⏰
30-day deadline approaching
Equifax's 30-day response window for your Discover dispute closes on April 10. Consider sending a follow-up letter.
Mar 27, 8:30 AM
📋
Monthly progress report ready
Your February credit repair summary is ready. 2 disputes filed, 1 item removed, score up 18 points.
Mar 1, 6:00 AM
Alert Preferences
Refer & Earn 🎁
Share Approved Disputes with friends and earn free months
4
Friends Referred
2
Activated Plans
$79
Total Earned
📋
Referral History
${[
{name:'Marcus J.',date:'Mar 12, 2026',status:'Activated',reward:'$39.99 credit',dot:'green'},
{name:'Tisha R.',date:'Feb 28, 2026',status:'Activated',reward:'$39.99 credit',dot:'green'},
{name:'DeShawn W.',date:'Feb 15, 2026',status:'Signed Up',reward:'Pending',dot:'gold'},
{name:'Latoya B.',date:'Jan 30, 2026',status:'Signed Up',reward:'Pending',dot:'gold'},
].map(r=>`
`).join('')}
${r.name.split(' ').map(n=>n[0]).join('')}
${r.name}
${r.date}
${r.status}
${r.reward}
🎉 You have 2 pending referrals — earn $79.98 more when they activate a plan!
How It Works
🔗
Share Your Link
Copy your unique referral link and share it with friends, family, or on social media.
📝
They Sign Up
Your friend creates an account and activates any paid plan using your referral link.
💰
Both Get Rewarded
They get $10 off month one. You get a free month — automatically applied to your account.