AI Credit Report Analyzer - Fix Errors in 60 Seconds
90% of reports have errors worth $1,200+. Our AI scans your report, finds hidden mistakes, and generates CROA-compliant dispute letters instantly.
Paste Report
Copy your credit report text from any bureau - Equifax, Experian, or TransUnion.
AI Scans
Our AI analyzes patterns, identifies errors, and calculates your FICO boost potential.
Get Letters
Download CROA-compliant 609 dispute letters customized to each error found.
Time-Barred Negatives
Items older than 7 years that should be removed
Duplicate Accounts
Same debt reported multiple times (Section 611 violation)
Wrong Addresses
Multiple/incorrect addresses indicating mixed files
Unauthorized Inquiries
Hard pulls you never authorized (disputable)
Unverified Collections
Debts that can't be validated under FDCPA
Balance Errors
Incorrect balances affecting utilization ratios
What report formats work?
Our AI analyzer works with text from Equifax, Experian, and TransUnion reports. You can paste text from PDF exports, online report views, or your free annual credit report from AnnualCreditReport.com. For best results, include the complete report including account details, payment history, and inquiries.
How accurate is AI error detection?
Our AI uses pattern recognition to identify common credit report errors that affect 20% of all reports. While highly accurate for common errors like time-barred items, duplicate accounts, and unauthorized inquiries, we recommend professional verification for complex cases. The AI catches what 90% of people miss.
Are these 609 letters CROA compliant?
Yes, all dispute letters generated are based on established consumer protection laws including FCRA Sections 609, 611, and 604. The letters use legally-recognized language for disputing inaccurate credit information. However, always personalize letters with your specific details and never make false claims.
How long does dispute resolution take?
By law, credit bureaus must investigate disputes within 30 days (45 days in some cases). After sending your dispute letters, expect initial responses within 2-4 weeks. Complex disputes may require multiple rounds. Using Credit Repair Cloud automates follow-ups and tracking.
Can I dispute multiple errors at once?
Yes, but strategy matters. Disputing 1-3 items per letter is most effective. Bureaus may flag 'bulk disputes' as frivolous. Our AI helps prioritize which errors to dispute first based on FICO impact. High-impact items like collections and late payments should come first.
What if my dispute is rejected?
Rejected disputes can be escalated. Options include: re-disputing with additional documentation, filing a CFPB complaint, or sending disputes directly to the data furnisher (original creditor). Credit Repair Cloud helps manage the escalation process systematically.
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