Supports: PDF, JPG, PNG — AnnualCreditReport.com, Credit Karma, myFICO, Experian, Equifax, TransUnion.
You can upload 1, 2, or all 3 bureaus. AI will analyze all uploaded reports together.
Enter your scores manually if known — AI uses them for gap analysis.
🎯 EARLY EXCLUSION DATE
Negative items fall off 7 years from FIRST delinquency — not charge-off date. If the original delinquency was earlier than reported, demand early removal. Request "date of first delinquency" in writing.
🔥 OBSOLETE ACCOUNT TRICK
If an account has been closed 7+ years from first delinquency, dispute as "obsolete per FCRA §605." Bureaus must delete within 30 days. Many collectors reset the clock illegally — catch them.
💣 UNVERIFIABLE = DELETE
Under §611, if a bureau cannot verify an account within 30 days, they MUST delete it. Many original creditors no longer have records — file disputes strategically in batches. Use certified mail, return receipt.
📋 MISSING REQUIRED FIELDS
If an account is missing: Date of First Delinquency, High Balance, Account Type, or Payment History — it's technically incomplete. Dispute for "incomplete and inaccurate reporting" under §623.
💰 PAY-FOR-DELETE (P4D)
Collectors can legally delete in exchange for payment — it's not illegal for them. Send a P4D letter before paying. Get written agreement FIRST. Never pay without the agreement in hand.
🛡️ GOODWILL DELETION
For 1-2 isolated late payments on otherwise perfect accounts — write a hardship goodwill letter directly to the creditor's executive office. CEO or VP of Customer Relations. Not the disputes department.
⚡ RAPID RESCORE
If applying for credit soon — lenders can submit a rapid rescore through their bureau contacts. Updates reflect in 3-5 business days vs 30-45 days normally. Requires supporting documentation.
🏦 EXPERIAN BOOST HACK
Add utility, phone, streaming payments to Experian for free score boosts. Then authorize a lender to pull Experian only. TU: eCredable Lift. EQ: no equivalent — focus disputes there instead.
🔑 AUTHORIZED USER POWER
Being added as an AU on an account with 5+ years history, high limit, low utilization, and perfect payment history can add 20-80+ points. Use CreditStrong, Self, or trusted family/friends.
📁 CFPB COMPLAINT LEVER
File a CFPB complaint against bureaus or collectors who ignore disputes. Escalated complaints get executive resolution teams, not standard dispute processors. Cite FCRA violations by section number.
🏢 BUSINESS CREDIT SEPARATION
PDSI Holdings Wyoming LLC EIN 42-2009343 is ready. Build business credit IMMEDIATELY: Dun & Bradstreet DUNS, Experian Business, Net-30 vendors (Uline, Quill, Grainger), then Tier 2 → Tier 3 business cards.
⚖️ FCRA VIOLATION LEVERAGE
If bureaus violate FCRA (fail to investigate, re-report deleted items, miss 30-day deadline) — you can sue for $100-$1,000 per violation + attorney fees. Many attorneys take these on contingency.
| TIER | PRODUCT | LIMIT / TYPE | REPORTS TO | PURPOSE | PRIORITY |
|---|---|---|---|---|---|
| FOUNDATION | Secured Card (Self/OpenSky) | $200-500 | All 3 | Rebuild payment history | IMMEDIATE |
| FOUNDATION | Credit-Builder Loan (Self) | $500-1500 | All 3 | Mix + payment history | IMMEDIATE |
| TIER 1 | Capital One Platinum | $300-1000 | All 3 | Unsecured revolving | MONTH 3-6 |
| TIER 1 | Discover It Secured | $200-2500 | All 3 | Graduate to unsecured | MONTH 3-6 |
| TIER 1 | AU on Prime Account | Varies | All 3 | Inherit age + history | IMMEDIATE |
| TIER 2 | CreditStrong Revolv | $500-2000 | All 3 | Installment + revolving mix | MONTH 6-12 |
| TIER 2 | USAA / Navy Fed (if eligible) | $500-5000 | All 3 | Prime card — score booster | MONTH 6-12 |
| BUSINESS | Uline Net-30 | Net-30 | D&B / Experian Biz | Paydex score foundation | IMMEDIATE |
| BUSINESS | Quill Net-30 | Net-30 | D&B | Paydex + trade references | IMMEDIATE |
| BUSINESS | Grainger Net-30 | Net-30 | D&B | Supply chain credibility | IMMEDIATE |
| BUSINESS | Nav Business Loan | $5K-50K | D&B / Experian | Business installment | MONTH 12+ |
| BUSINESS | AMEX Business (via personal) | $2K-10K | Experian Biz | Business revolving | MONTH 12+ |