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Pro MemberMember since Mar 2026
Welcome back, Marcus
Here’s where your credit defense stands today.
Active disputes
7
3 awaiting bureau response
Items removed
12
+4 this month
Letters generated
23
Across 3 bureaus
Vault documents
18
47.2 MB used of 5 GB
Credit scores
Last refreshed 2 hours ago · Updates weekly
Equifax
▲ 38 pts642
from 604
300FairGood850
Experian
▲ 44 pts658
from 614
300FairGood850
TransUnion
▲ 29 pts651
from 622
300FairGood850
Active disputes
View all →| Creditor | Type | Bureau | Status | Days left |
|---|---|---|---|---|
Capital One DSP-00214 | Late payment | Equifax | Awaiting response | 11 days |
Midland Credit Mgmt DSP-00213 | Collection account | Experian | Awaiting response | 18 days |
LVNV Funding DSP-00212 | Unverified debt | TransUnion | Bureau verified — escalate | — |
Synchrony Bank DSP-00210 | Account not mine | Equifax | Removed ✓ | — |
Portfolio Recovery DSP-00208 | Re-aged debt | Experian | Removed ✓ | — |
Latest AI Audit
May 4, 20269
issues detected on your reports
High severity3
Medium4
Low2
Estimated score lift
+42 to +71
if all valid disputes succeed
Recent letters
Generate new →- FCRA §611 dispute · Capital OneMay 8 · to EquifaxSent
- FDCPA validation · Midland CreditMay 7 · to ExperianSent
- Method of verification · LVNVMay 4 · to TransUnionDrafted
- Goodwill letter · SynchronyApr 28 · to EquifaxRemoved ✓
Consumer Vault
Encrypted storage for IDs, proof of address, dispute evidence.
47.2 MB used5 GB included
Open vault →Subscription
PlanPro
Price$29/mo
Next chargeJun 12, 2026
Card•••• 4242
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