Import Your Credit Report
Upload your PDF from AnnualCreditReport.com — the AI reads it, identifies every negative item across all 3 bureaus, and pre-fills your dispute queue automatically.
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Visit AnnualCreditReport.com → get your free report2
Download as PDF3
Upload here — AI does the rest
Click to upload your credit report PDF
or drag & drop here
Supports: AnnualCreditReport.com PDFs · Experian, Equifax, TransUnion reports
or drag & drop here
Supports: AnnualCreditReport.com PDFs · Experian, Equifax, TransUnion reports
Negative Items Found
Select items to auto-load into your Dispute Engine
AI Credit Dispute Engine
Enter any negative item — the AI selects the strongest legal strategy and writes certified letters for all 3 bureaus, the original creditor, and CFPB escalation.
FCRA § 611
FCRA § 623
FDCPA § 809
15 U.S.C. § 1681e(b)
30-Day Rule
CFPB Medical Debt Rules
🏛️ CFPB Escalation — Consumer Financial Protection Bureau
If bureaus don't remove after 30 days, escalate to CFPB. They investigate complaints and can compel action. Call 1-855-411-2372 Mon–Fri 8am–8pm ET.
Generate Dispute Letters
Fill in what you know — AI handles strategy and all letter writing.
Analyzing item and selecting legal strategy...
✅ Your Action Checklist
Dispute History
Score History
| Date | Score | Change | Note |
|---|
Average Score
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avg
No data
Bureau Scores
Equifax—
Experian—
TransUnion—
Overall Utilization
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Keep under 30% for good score impact.
Under 10% is ideal for excellent credit.
Under 10% is ideal for excellent credit.
Monthly Bills
Summary
Paid This Month
$0
Due Soon
$0
Overdue
$0
Account Settings
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