Duplicate accounts
Same debt reported by original creditor and collector. FCRA §623(a)(2).
AI CREDIT AUDITEvery inaccuracy. Every citation.
The AI Credit Analyst reads all three bureaus, flags every reporting issue with the exact statute it violates, and drafts the first letter for you. Full audit in under 5 minutes.
Free audit uses a sample scan. Full 128-point analysis is $29 one-time or included in Pro.
Nova · Credit Audit AI
Welcome back. Your Financial Health Score refreshed this morning. I've queued 3 recommendations from Atlas and 1 letter draft from Scribe for your review.
AI Suite · 10 specialists on duty
All operationalNovaSentinelLexScribeAtlasTrackerVaultPulseBeaconOracle
dashboard.justdisputeit.comSAMPLE DATAAll systems operational
Credit health
Blended across 3 bureaus
0
/ 850
Experian692
Equifax674
TransUnion668
90-day forecast
+42 points projected
Accounts monitored
24
↑ 2 this month
Reporting errors
7
-3 removed
Disputes active
4
2 responded
Letters sent
18
USPS confirmed
Vault items
142
Encrypted
Investigations
2
Awaiting bureau
Financial health timeline
Score trajectory
Start
498
Current
680
Δ Gain
+182
Recent activity
LiveExperian confirmed a §611 dispute
Nova flagged 4 potential errors
Round 2 letters generated for Equifax
New inquiry detected on your file
Sample data — illustrative example, not a live account
AES-256
Report encryption at rest
5min
Average audit runtime
128
Fields checked per tradeline
3+2
Bureaus + specialty CRAs
The Violation Detector™
Eight patterns. One unsigned scan away.
We built the detector on the eight patterns that account for most FCRA-actionable reporting errors. Each flag ties to a specific section of the statute.
Re-aged debt
DOFD reset past the 7-year mark. FCRA §605(c).
Incorrect balances
Balance doesn't match statements. §623(a)(2)(A) accuracy standard.
Mixed credit files
Someone else's data on your report. §611(a)(5) reinsertion.
Unverified collections
No chain of assignment. FDCPA §1692g challenge.
Stale inquiries
Hard pulls without permissible purpose. §604 dispute.
Zombie debt
Past-statute debts still reporting. §605(a) block.
Metro 2 field errors
Wrong compliance condition code. §623(a)(1) accuracy.
How the audit works
Upload. Scan. Send.
01
Upload your report
Drop your PDF or HTML report from Experian, Equifax, or TransUnion. No SSN needed. No hard pull.
02
AI reads every field
128 data points per tradeline. Cross-bureau reconciliation. Metro 2 field validation. Runs in under 60 seconds.
03
You get the playbook
Every issue ranked by impact. Every dispute pre-drafted with the right statute cited. Every letter ready to send.
What you get
A full audit report, not a checklist.
Every finding includes the tradeline it applies to, the statute it violates, the recommended dispute path, and the pre-drafted letter. Export to PDF or send straight to the bureaus via Certified Mail.
Sample finding
Finding #04High impact
Re-aged DOFD on collection account
Furnisher: LVNV Funding LLC · Balance $842 · DOFD reported 2023-04 · bureau records show original delinquency 2019-08.
FCRA §605(c)FCRA §623(a)(5)FDCPA §1692e(8)
→ Letter drafted: §611 accuracy dispute + parallel §623(a)(8) furnisher request
Stop guessing what to dispute.
The audit shows you exactly what's wrong, in priority order, with a one-click letter for every finding.