5
Negative Items
▼ 2 removed
3
Letters Sent
▲ 3 this month
3
Items Deleted
▲ 2 last month
+103
Points Gained
21 pts/mo avg
📈 Score Progress ▲ +103 pts
🏛️ Bureau Scores
Equifax
607
Experian
598
TransUnion
601
🎯 Good: 670+ | Very Good: 740+
⚡ Remove charge-offs → est. +50 pts
🚫 Negative Items
5 Active
| Creditor | Type | Status | Balance | Bureaus | Impact | Score − | Action |
|---|
3
Total Sent
2
Pending
1
Deleted
1
Responses
⚡ All Disputes
| ID | Creditor | Bureau | Reason | Date Sent | Deadline | Status | Result | Action |
|---|
🕒 Dispute Timeline
⏱️ 45-Day FCRA Deadline Tracker
FCRA § 611 Compliance
Under FCRA § 611, credit bureaus must complete their investigation within 45 days when a dispute is filed with supporting documentation. Track all active deadlines below.
📋 Deadline Summary
1
Urgent (≤7 days)
1
Warning (8–15 days)
1
On Track (16+ days)
📊
Pull 3-Bureau Credit Report via SmartCredit
Directly import your client's Equifax, Experian & TransUnion report into CreditDisputeNow with one click — powered by the SmartCredit API.
1
Click Pull Report
Enter client info — API fetches their full 3-bureau report instantly
2
AI scans automatically
CreditDisputeNow detects all negative items and Metro 2 violations
3
File disputes instantly
One-click dispute filing with AI-generated FCRA letters
📂 Step 2 — Upload Your Report
AI-Powered Scan
Upload the PDF you downloaded from SmartCredit. Our AI will scan it for negative items, Metro 2 violations, and dispute opportunities.
Drop your credit report here
Supports PDF, JPG, PNG · Max 20MB · All data stays private
🔌
Direct API Integration — Coming Soon
Once you complete the SmartCredit partner agreement, CreditDisputeNow will pull your clients' reports automatically — no manual upload needed. Contact your SmartCredit rep to get started.
🏆 Achievement Milestones
4 / 9 Unlocked
Track your credit repair journey. Each milestone marks real progress toward your financial goals.
📊 Overall Progress
Credit Repair Journey44%
Goal: Reach 700+ credit score
601
Current → 700 Goal
🔒 Document Vault
Store copies of your ID, proof of address, SSN verification, and supporting documents securely. Choose which ones to attach right from the dispute letter screen.
📋 Required Documents Checklist
🤖 AI Credit Analysis Claude AI
Full AI analysis of your credit profile — Metro 2 violations, FCRA issues, statute of limitations, and an optimal dispute roadmap.
📊 Metro 2 Compliance
Account Status Code
⚠️ Issue
Apex Corp code 97 error
Payment Rating Field
✅ OK
All fields compliant
Balance Amount
⚠️ Issue
First National mismatch
Date of Last Activity
✅ OK
Accurate across bureaus
Special Comment Code
✅ OK
No violations
0
Overdue
Past 60-day window
0
Due This Week
Next 7 days
0
On Track
8+ days remaining
0
Round 2
Awaiting next cycle
📋 Client Dispute Pipeline
60-day automated cycle
📤 Dispute Sent
⏰ Results Due
🔄 Round 2 Due
✅ Round 2
📆 Full Schedule
| Client | Round | Disputed | Results Due | Round 2 Due | Days Left | Status | Action |
|---|
Letter Library
Attorney-reviewed FCRA & FDCPA dispute templates — organized by dispute round and type.
👥 Client Management
| Client | Score | Disputes | Deleted | Progress | Status | Action |
|---|
👤 Client Profile
Full Name[Client Full Name]
Address[Client Address, City, State ZIP]
SSN (masked)[XXX-XX-XXXX]
Date of Birth[Date of Birth]
Phone[Client Phone Number]
Email[client@email.com]
🏷️ White Label Settings
Manage your platform branding, license, and company information.
🔔 Notifications
📋 FCRA Compliance
✅ All letters include FCRA § 611 language
✅ Metro 2 field checks enabled
✅ 45-day deadline tracking active
✅ Certified mail tracking ready