Step 1: Review
Tap the bureau tabs. Check or uncheck items. This is sample data so you can see how it works.
At a glance
Jordan Avery Example
5 accounts total
12 flags total
Your accounts
Example Secured Bank
secured_card · experian · current
Legacy Store Card
revolving · experian · charge_off
Auto Finance Co
auto · equifax · repossession
Legacy Store Card
revolving · equifax · charge_off
Midland Credit Management
collection · transunion · collection
experian
Check only items you believe are inaccurate. Nothing is disputed until you select it. Demographic cleanup (name/address on file) is pre-selected when we detect mismatches.
High confidence
Secured card deposit offset discrepancy
Example Secured Bank reports a secured revolving balance that may not reflect the consumer security deposit offset.
TILA / FCRA § 623
Potentially obsolete adverse tradeline
Legacy Store Card adverse item appears older than the standard FCRA § 605 reporting window.
FCRA § 605 / § 623
Cross-bureau date conflict
Legacy Store Card shows conflicting adverse/status dates across bureaus (spread 245 days).
FCRA § 605 / § 623
Medium confidence
Inaccurate name variants on consumer file
The bureau report lists name variants that do not match the consumer's primary legal name. Request removal of incorrect spellings and retention of a single primary name.
FCRA § 604 / § 611
Additional items (3) — review recommended
Hard inquiry — Example Auto Lender
Example Auto Lender is listed as an inquiry on 2025-12-01. Dispute it only if you did not authorize it.
FCRA § 604 / § 611
Hard inquiry — Example Auto Lender
Example Auto Lender is listed as an inquiry on 2025-12-01. Dispute it only if you did not authorize it.
FCRA § 604 / § 611
Hard inquiry — Example Auto Lender
Example Auto Lender is listed as an inquiry on 2025-12-01. Dispute it only if you did not authorize it.
FCRA § 604 / § 611
equifax
Check only items you believe are inaccurate. Nothing is disputed until you select it. Demographic cleanup (name/address on file) is pre-selected when we detect mismatches.
High confidence
Repossession without disposition explanation
Auto Finance Co shows repossession/deficiency activity without evidence of a UCC § 9-616 explanation of calculation of surplus or deficiency.
UCC § 9-616
Potentially obsolete adverse tradeline
Legacy Store Card adverse item appears older than the standard FCRA § 605 reporting window.
FCRA § 605 / § 623
Cross-bureau date conflict
Legacy Store Card shows conflicting adverse/status dates across bureaus (spread 245 days).
FCRA § 605 / § 623
Medium confidence
Inaccurate name variants on consumer file
The bureau report lists name variants that do not match the consumer's primary legal name. Request removal of incorrect spellings and retention of a single primary name.
FCRA § 604 / § 611
transunion
Check only items you believe are inaccurate. Nothing is disputed until you select it. Demographic cleanup (name/address on file) is pre-selected when we detect mismatches.
High confidence
Debt buyer validation gap
Midland Credit Management appears as a debt buyer/collection account without validation or chain-of-title evidence on the report.
FDCPA § 809 / 15 U.S.C. § 1692g
Medium confidence
Inaccurate name variants on consumer file
The bureau report lists name variants that do not match the consumer's primary legal name. Request removal of incorrect spellings and retention of a single primary name.
FCRA § 604 / § 611