Good morning, Jordan 👋
Monday, March 30, 2026
+2 this month
8
Letters Sent
3 pending
5
Active Disputes
+1 this week
3
Items Removed
Credit Scores
Live scores across all three bureaus
Credit Progress
Score estimated based on dispute activity
🎯 Target: 700+ score · Est. 2–3 more dispute rounds
AI Insights
Smart recommendations for you
High Impact: Dispute Capital One Collection
Removing this $1,240 collection could add 30–45 points to your score.
Timing Tip: Experian Response Due
Experian should respond to your Feb 15 dispute by March 15. Follow up soon.
Next Step: Medical Debt Dispute
The CFPB ruling makes medical debts easier to remove. Start that dispute now.
Recent Letters
EXP
Experian — Capital One Collection
Sent
EQX
Equifax — Late Payment · Discover
Pending
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📋
Extracted Items (Sample)
Collection: Capital One — $1,240
Reported: Experian, Equifax, TransUnion · Date: 08/2022
Late Payment: Discover Card (×2)
Reported: Equifax · 30-day late · Jan & Feb 2023
Collection: Midland Credit — $480
Reported: TransUnion · Date: 03/2023
⚡
Generate Letters
Select which items to dispute and we'll generate FCRA-compliant letters for each bureau instantly.
My Letters
Manage, download, and send your dispute letters
All Dispute Letters (3)
EXP
Experian — Capital One Collection
Sent
EQX
Equifax — Late Payment · Discover
In Review
TRU
TransUnion — Midland Credit Collection
Draft
Dispute Tracker
Real-time status of every dispute you've filed
Active Disputes (5)
Capital One Collection · Experian
$1,240
✓
Submitted
✓
Received
⟳
In Review
○
Response
○
Resolved
Discover Late Payments · Equifax
2 items
✓
Submitted
⟳
Received
○
In Review
○
Response
○
Resolved
Portfolio Recovery · TransUnion
✅ DELETED
✓
Submitted
✓
Received
✓
In Review
✓
Response
✓
Deleted
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⭐ Current Plan
Gold Membership
Renews April 1, 2026 · $39.99/month
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👤
Personal Information
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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.