Dashboard Overview
Monitor your credit health and track repair progress
Your Credit Score
Last updated 3 days ago
612
Fair
Improvement Possible
Equifax
618
Mar 28, 2026
TransUnion
605
Mar 29, 2026
Experian
613
Mar 30, 2026
12
Total Accounts
5
Negative Items
3
Items Disputed
1
Items Removed
Credit Health Factors
Payment History
35%
2 late payments (30+ days)
Credit Utilization
68%
Aim for below 30%
Credit Age
8.2 yrs
Average account age
Derogatory Items
5
Collections, charge-offs
Quick Actions
Recent Activity
Today, 2:30 PM
Credit score updated to 612 (↑ 8 points)
Yesterday
Dispute letter sent to Equifax (Chase Collection)
2 days ago
Response received: Equifax investigating claim
3 days ago
Item removed from report (Old charge-off)
1 week ago
AI analysis completed: 7 violations found
Credit Report
View and manage your credit account data
Import Your Credit Report
⚡
Quick Demo
Instant demo with sample data
📊
Pull Credit Report
Verify identity & pull 3-bureau report
📋
Manual Import
Paste data from your report
✅ Demo Mode: Using realistic sample data. This dashboard works immediately without an API key. Configure Smart Credit integration or upload real data anytime.
Your Accounts
| Creditor | Account # | Type | Status | Balance | Bureaus |
|---|
AI Analysis
Detect Metro 2 violations and FCRA/FDCPA compliance issues
🔬
No analysis yet
Click the button above to scan your credit report for violations
Dispute Center
Generate and send dispute letters
Select Letter Type
FCRA §611
Bureau Dispute
FCRA §609
Verification Request
FCRA §604
Unauthorized Inquiry
FCRA §623
Furnisher Direct
FDCPA §1692g
Debt Validation
HIPAA
Medical Debt Privacy
Goodwill
Goodwill Removal
Pay-for-Delete
Negotiation
CFPB
Complaint Escalation
Cease & Desist
FDCPA Protection
Attack Engine
3-level automated dispute attack system — 40 day cycles
LEVEL 1
Bureau Attack
Equifax, TransUnion, Experian
FCRA §611 / §609
LEVEL 2
Furnisher Direct
Original creditors & collectors
FCRA §623 / FDCPA
LEVEL 3
CFPB Escalation
+ LexisNexis, SageStream, NCTUE
CFPB + Secondary Bureaus
Generate Attack Plan
Analyzes all detected violations and creates a 3-level, 120-day attack strategy targeting bureaus, furnishers, CFPB, and secondary data aggregators.
Active Attack Timeline
⚔️
No active attacks yet. Generate an attack plan and launch your first attack.
Secondary Bureau Targets (Level 3)
LexisNexis
Consumer disclosure reports, CLUE auto/property
SageStream
Alternative credit bureau, high-risk lending data
NCTUE
National telecom & utility exchange
CoreLogic
Property & rental history data
Innovis (ARS)
4th credit bureau, specialty reports
Progress Tracker
Monitor your dispute progress and score improvements
Score History (Last 6 Months)
Starting Score
550
Current Score
612 ↑62 pts
Dispute Timeline
Round 1: Bureau Disputes Sent
FCRA §611 disputes sent to all 3 bureaus (Mar 5, 2026)
Equifax Response Received
Investigation completed, 1 item confirmed accurate (Mar 18, 2026)
TransUnion Response Received
Investigation completed, 1 item removed (Mar 20, 2026)
Experian Response Received
Investigation completed, item updated (Mar 22, 2026)
Round 2: Furnisher Direct Disputes
Next step: Send to original creditors (In Progress)
Items Removed: 1
✓ Removed
TransUnion charge-off account (Capital One)
Removed Mar 20, 2026
Next Steps
📧 Send Furnisher Direct Disputes
Round 2: Send FCRA §623 disputes directly to original creditors for 3 remaining items
💳 Reduce Credit Utilization
Current utilization is 68%. Aim to pay down balances to below 30% for immediate score boost
📞 Goodwill Letters
Send goodwill letters to creditors with late payments. Approx 30% success rate