# Credit Dispute Tracker — Score Log & Dispute Letters

> Score Log & Dispute Letters (iPhone/iPad app by Karol Jaworski.)

- Source: https://appshunter.io/ios/app/credit-dispute-tracker/id6779428195 (this page in markdown: same URL + `.md`)
- Developer: [Karol Jaworski](https://appshunter.io/developer/1799974477)
- Category: Finance, Education
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18 · 15 MB
- Languages: American English, European Spanish
- Released: 2026-06-17
- Data updated: 2026-11-10

## What is Credit Dispute Tracker?

Credit Dispute Tracker is a private, do-it-yourself file of your US credit report. Add the items from your report, see the date each can be reported until, write a letter for anything you believe is wrong, and follow both clocks the law sets for the answer. It is built for the US credit system: the three nationwide bureaus and US law (FCRA, FDCPA).

Credit is a self-help organizer. It does not contact bureaus, creditors or collectors for you or pull your report or score, and no one can have accurate, current information removed from a credit report. What it says about the law is general information, not legal advice.

YOUR FILE
- Add items from your own report: late payments, collections, charge-offs, bankruptcies, hard inquiries, closed accounts
- Each item shows how long it can be reported under the FCRA beside the bureaus' stated practice, with its source
- The Halo draws your file as time: each item on the ring of its age
- No SSN, no bank link, no bureau login

LETTERS
- Four paths, each following a CFPB or FTC sample: a bureau dispute, a direct dispute with the company that reported the item, debt validation for a collector, and identity theft through IdentityTheft.gov
- Your details, the account ending, your reason and enclosures merged in; each bureau's dispute address from its own page, dated
- A US Letter page with Print and PDF, and a Certified Mail checklist; letters are in English, as the CFPB samples are

THE TRACKER
- A bureau's 30 days count from the day it receives your letter, from your Certified Mail receipt or USPS tracking
- Both dates (30 days, and 45 in some cases), each with its results date 5 business days later
- A collector dispute shows the validation period from the collector's notice, never a deadline the law doesn't set
- One linked dispute per bureau, each with its own result; reminders on the results dates

SCORES BY MODEL
- Log the scores you see elsewhere with their model: FICO® Score 8, 9 or 10, Auto or Bankcard, VantageScore® 3.0 or 4.0
- Each model's range and its publisher's band names; one line per model, so a change is counted only within a model

THE PLAN AND THE GUIDE
- 12 steps in the order that fits your goal, and a utilization calculator
- The Guide: 25 questions answered from saved sources (US law, the CFPB, the FTC, FICO and VantageScore), each with its quote

EVERYWHERE
- iCloud sync through your own private iCloud, on iPhone and iPad
- Widgets and the Lock Screen with your next date; Siri and Shortcuts
- English and Spanish; export everything (PDF and CSV) and Delete All Data at any time

FREE AND PRO
Free for everyone: your file, every letter with its PDF, the tracker with its reminders, the score log, the calculator, the plan, the Guide, the widgets, iCloud sync and the export.
Credit Pro adds insight about your own file: score trends across models with a monthly recap, a statement-day planner for each card, the file forecast, the evidence binder (one PDF of every letter with its record), a Live Activity for a dispute's last week, and your own reminders. Credit Pro is a yearly or monthly subscription that renews automatically until you cancel it in your Apple Account settings; an eligible account may see a lower price for its first year. Nothing you typed is ever locked.

FICO is a registered trademark of Fair Isaac Corporation. VantageScore is a registered trademark of VantageScore Solutions, LLC. Experian, Equifax and TransUnion are named only as the recipients of your letters. Credit is not affiliated with any of them.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Credit Pro | $4.99 | per month |
| Credit Pro | $39.99 | per year |
| Credit Pro | $39.99 | per year |


## Is Credit Dispute Tracker safe?

Not enough ratings yet to assess Credit Dispute Tracker.

## Is Credit Dispute Tracker legit?

Credit Dispute Tracker appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Credit Dispute Tracker is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 2.0.0 — 2026-11-06

Credit 2.0 is rebuilt from the ground up as Credit Dispute Tracker, and everything you recorded moved over: your disputes, scores, plan and notes.

Honest corrections
- A bureau's 30 days now count from the day it receives your letter, not the day you sent it. Your dates are kept: enter the delivery date from the Certified Mail receipt or USPS tracking, and both dates appear.
- The coach that sent your questions to an outside service is gone. Credit 2.0 sends nothing you type anywhere; the Guide answers from saved sources, each with its quote.
- Every letter and the tracker, with both clocks and their reminders, are free for everyone.
- Scores now carry their model: set it once for the scores you logged in 1.3.

New
- Your file: each item from your report with the date it can be reported until, and its source
- Four letter paths with your details merged in, each bureau's dated address, Print and PDF
- Both results dates for bureau disputes, the validation period for collectors, and one dispute per bureau
- iCloud sync, iPad, widgets and the Lock Screen, Siri and Shortcuts, and Spanish
- Credit Pro: score trends across models, the statement-day planner, the file forecast, the evidence binder, the Live Activity and your own reminders

### 1.3 — 2026-10-14

Credit 1.3

• If you subscribe to Credit Pro, your tools are unlocked as soon as Credit opens, and a renewal or cancellation shows when you return to the app.
• Restore Purchases now checks your Apple Account, so a subscription bought on another iPhone is found.
• More precise time limits in Learn: under US law, collections and charge-offs can be reported for up to 7 years, counted from 180 days after you first fell behind.
• The AI Credit Coach now sticks to what the US laws it mentions (FCRA, FDCPA and the Credit Repair Organizations Act) actually provide, and never promises results.

### 1.2 — 2026-10-07

Credit 1.2

• Set your own goal score: tap Edit goal on Home. Until now every goal was fixed at 670.
• Record what happened to each dispute: mark it corrected, removed, resolved or not changed, add the bureau's answer and your notes, or delete it.
• Dispute reminders now arrive: Credit asks for permission to send notifications when you track your first dispute, then reminds you three days before the 30-day mark.
• See your whole score history and delete a score you entered by mistake. A score logged with an earlier date no longer replaces your latest one.
• The utilization calculator remembers your cards, so next month you only update the balances.
• Plan steps, education and letter templates rewritten with careful, up-to-date information, such as free weekly credit reports.
• Notes and progress are saved as you go, and Delete All Data now clears everything, reminders included.

### 1.1 — 2026-09-18

Welcome to Credit - your complete credit repair companion.

Version 1.0 includes:
- Score tracker with trend chart and progress-to-goal
- Full 12-step credit repair plan across 4 phases
- Score history chart with visual trend line
- Credit education library with strategies, myths, and FICO breakdown
- Personalised learning recommendations based on your current step
- Dispute letter templates - FCRA and FDCPA compliant (Pro)
- Dispute tracker with 30-day deadline notifications (Pro)
- Credit utilisation calculator (Pro)
- AI Credit Coach powered by Grok - 30 questions per day (Pro)

### 1.0 — 2026-06-17

No release notes.

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All apps by Karol Jaworski: https://appshunter.io/developer/1799974477

## Related topics

[credit score repair](https://appshunter.io/ios/topics/credit-score-repair) · [fcra](https://appshunter.io/ios/topics/fcra)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-11-10.*