Pasted Credit Report
Paste raw unstructured, tabular, or messy copy-pasted credit reports from Experian, Equifax, TransUnion, or a single merged file below.
Agency CRM Client Roster
Manage your agency client roster, monitor status, and switch active workspaces instantly. All profiles synchronize locally.
| Client Name | SSN / DOB | Scores (Exp/Eq/Tu) | Negatives | Inquiries | Status | Workspace |
|---|
Secure Identity Verification Vault & Legal Contract E-Sign
Federal statutes (FCRA & CROA) mandate identity verification and signed service disclosures. Upload your identification documents and sign the Credit Repair Services Agreement below. These credentials are stored 100% locally and embedded directly inside your dispute letters as certified proof.
Proof of Identity
Upload a clear photo of your Driver's License, State ID, or Passport.
Document MissingProof of Address
Upload a recent utility bill, bank statement, or insurance letter (less than 90 days old).
Document MissingCROA Credit Repair Services Agreement
CREDIT RESTORATION SERVICES AGREEMENT
Parties: This agreement is made between the selected Client and the active Agency Service Provider.
1. SERVICES TO BE PERFORMED: The Service Provider agrees to audit the Client's credit file, identify inaccuracies, and draft official dispute correspondence under FCRA Section 611 (15 U.S.C. § 1681i) and FDCPA § 809 to credit reporting bureaus on behalf of the Client.
2. ADVANCE FEES PROHIBITED: Pursuant to the federal Credit Repair Organizations Act (CROA) (15 U.S.C. § 1679b), the Service Provider shall not charge or receive any money prior to full performance of the services agreed upon.
3. RIGHT TO CANCEL: YOU, THE CONSUMER, MAY CANCEL THIS CONTRACT WITHOUT ANY PENALTY OR OBLIGATION AT ANY TIME BEFORE MIDNIGHT OF THE THIRD BUSINESS DAY AFTER THE DATE THE CONTRACT IS SIGNED. SEE THE SEPARATE CANCELLATION DISCLOSURE FOR DETAILS.
4. DISCLAIMERS: The Service Provider does not guarantee specific FICO score changes or credit report deletions. Scores are determined autonomously by independent bureaus.
Disputable Negative Accounts
The parser automatically extracted the following collections, charge-offs, and late payments. Check items to stage them into dispute letters.
No credit report parsed yet. Paste report contents on the left and click "Analyze & Parse".
Hard Credit Inquiries
Extracted hard credit inquiries found in reports. Unauthorized inquiries can be disputed under FCRA Section 611.
No inquiries parsed yet.
Consumer Profile & Cross-Checks
Verify names, prior addresses, and SSNs. Deleting obsolete addresses is a key tactic for removing outdated negative accounts.
No personal profile details extracted yet.
Simulated LocalStorage SQL DB Sync
Parsed entries are serialized as JSON and synchronized to client-side database tables `Negative_Trade_Lines` and `Credit_Bureau_Inquiries` instantly.
Enterprise Whitelabel & Premium Multi-Theme Settings
PRO SUITERebrand the software platform under your own agency identity. Configure custom names, logos, support coordinates, themes, and completely strip default copyrights.
Compiled Dispute Letters
Generate certified-mail-ready FCRA Section 611 legal dispute letters dynamically matching all checked negative trade lines and inquiries.