We don’t just show you the problem. We help you fix it.
Import your reports and the platform analyzes your profile, builds a personalized action plan, and generates the documents to act on it — you review and approve every step, then we track it through to resolution.
No legal advice. No guaranteed outcomes. You approve every document.
Next best action
ExampleApprove 4 Round 1 dispute items for Experian
Your butler’s workflow
Six stages, always in this order, always with you approving the action.
Connect
Upload or paste a credit report from any major bureau or provider.
Analyze
The platform extracts every account and flags what's hurting your profile.
Plan
AI builds a prioritized action plan — why, how, confidence, next step.
Take action
Generate dispute, negotiation and goodwill letters. You approve every one.
Track
Log mail dates and tracking numbers; upload bureau responses as they arrive.
Improve
Each response updates your plan and queues the next round automatically.
How it works
Import your reports
Upload Experian, Equifax, TransUnion, AnnualCreditReport, Credit Karma, SmartCredit, IdentityIQ or myFICO files. We extract accounts, balances, remarks, inquiries and public records for you.
Review the extraction
Anything the parser is unsure about is flagged with a confidence score so you confirm it once — instead of typing everything by hand.
Approve the plan
AI explains why each item is a target, how it will be challenged, its confidence, and the next step. Nothing is sent without your approval.
Generate and mail
Round 1, 2 and 3 dispute letters, pay-for-delete, goodwill and complaint packets are generated ready to print, sign and mail.
Track every response
Log mailing dates and tracking numbers, upload bureau responses, and get the recommended next action automatically.
Everything in one place
Document intelligence
Reports, letters and bureau responses are read, classified, deduplicated and linked to the right case.
Persistent action plan
Prioritized tasks with due dates, dependencies and a always-visible Next Best Action.
Dispute engine
Multi-round disputes with evidence packets, timelines and response tracking.
Debt negotiation
Settlement and pay-for-delete workflows with payment tracking and dispute fallback.
Student loan review
Charge audits, repayment and relief program guidance, and document generation.
Credit growth
Secured cards, builder loans and reporting services — prioritizing soft-pull options.
Business credit
A separate engine for vendor accounts, business tradelines and funding preparation.
Affiliate program
Every account gets a referral code, dashboard, conversions and commission history.
Ready to take control?
Create an account, upload a report, and see your action plan in minutes.