HOW IT WORKSFive phases. Ten AI specialists. One workflow you actually control. Here's exactly how a dispute goes from raw credit report to bureau removal.
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 operationalCredit health
Blended across 3 bureaus
90-day forecast
+42 points projected
Financial health timeline
Start
498
Current
680
Δ Gain
+182
Recent activity
LiveSample data — illustrative example, not a live account
How it works
Four steps. Each one automated. Each one auditable. Each one owned by you.
PDF, HTML, or MHTML — from any bureau or specialty CRA. We handle every format.
Every account, every field, checked against FCRA accuracy standards in seconds — with the citation attached.
23 dispute strategies matched to the account and the round. You review and approve before anything goes out.
Every bureau and furnisher reply is measured against its statutory clock. Missed windows escalate automatically.
The full workflow
Phase 01
You upload your credit report from all three bureaus. Our AI reads 128 data points per tradeline in seconds, cross-references balances, dates, and status codes across bureaus, and produces a ranked list of every issue worth challenging.
Phase 02
The AI Dispute Strategist picks the correct letter for each issue — §609, §611, §623(a)(8) direct furnisher, method-of-verification, goodwill, or reinsertion — based on account type, prior response, and your state. You approve. It drafts.
Phase 03
Print at home, or send through Just Mail — USPS Certified with tracking numbers attached, receipts filed straight to your Vault. Every letter carries the specific statutory citations that force the bureau to actually investigate.
Phase 04
Upload bureau replies. The AI Bureau Response Analyzer decodes the language, detects stonewall patterns ('verified, no change' without a method of verification), and drafts the next round automatically.
Phase 05
Removals feed into the AI Credit Simulator and Recovery Planner. You see the expected score movement before you make each move, and get a monthly action plan built around your actual file.
Upload a report, watch the AI Credit Analyst run, and download your first letter. No credit card. No account required for the generator.