Balance inconsistency
Compare the current balance reported by each bureau. Any variance beyond rounding is a §611 accuracy dispute.
Credit
Charge-Offs
Stop paying for accounts the furnisher can't verify.
A charge-off is an accounting event — not a certification of accuracy. Balance, date of first delinquency, and payment status are the four fields that decide whether it stays. AI checks all four, in seconds.
What you get
Every workflow, out of the box.
- Detect re-aged charge-offs violating §605's 7-year reporting clock
- Cross-bureau consistency check on balance and status
- Goodwill and pay-for-delete templates with negotiation guardrails
- Automatic escalation when furnishers respond with generic verifications
Strategies in play
The specific moves the AI runs on your behalf.
DOFD (date of first delinquency)
The reporting clock starts at the DOFD, not the charge-off date. If the DOFD has shifted forward, that's re-aging under §605.
Full-file review
If the same charge-off is reported by the original creditor AND a junk-debt buyer, that's a duplicate. One entry must go.
Related solutions
The rest of the defense stack.
Credit
Credit Report Errors
Every reporting error, professionally challenged.
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Debt
Debt Collections
Turn every collector into a compliance problem.
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Credit
Late Payments
One late payment shouldn't cost 100 points.
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Identity
Identity Theft
Freeze, dispute, recover — in the right order.
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Ready to run the play?
Start with a free credit audit. The AI Credit Analyst reads your file, flags issues, and drafts the first letter — all in under 5 minutes.