Credit Audit AI
Nova
The first AI every customer meets.
Nova reads every credit report across all three bureaus and produces the initial financial defense picture — Financial Health Score, Credit Defense Score, Risk Level, and a prioritized action list.
What Nova does
- Analyzes reports from Experian, Equifax, TransUnion
- Flags duplicates, charge-offs, collections, late payments, high utilization
- Produces Financial Health Score + Credit Defense Score + Risk Level
- Builds a priority action list and personalized roadmap
Live signal
- Parsing 12 tradelines from a 2-page report
- Cross-checking DOFD against 3-bureau snapshots
- Financial Health Score refreshed — up 12 pts
What Nova says
“Welcome to Just Dispute IT. I'm Nova, your Credit Audit AI. I'll analyze your credit information, organize your defense strategy, and guide you through every step.”
The rest of the suite
Nova works with the whole team.
Sentinel
Violation Detection AI
Every account, every field, every anomaly.
Meet Sentinel →
Lex
Consumer Law Intelligence AI
The FCRA, in plain English.
Meet Lex →
Scribe
Dispute Letter AI
The right letter, ready to print.
Meet Scribe →
Atlas
Strategy AI
The right move, in the right order.
Meet Atlas →
Tracker
Timeline AI
Every letter, every clock, every deadline.
Meet Tracker →
Vault
Document Vault AI
Encrypted, indexed, always searchable.
Meet Vault →
Start with Nova. Nova is standing by.
Every agent runs inside your encrypted vault. Educational only — not legal advice. Results may vary.