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/
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