AI-Powered Credit Intelligence

Know your credit report
better than they do.

Upload your credit report PDF. CreditIQ Pro parses every tradeline, flags every violation, and generates legally-grounded dispute letters — automatically.

Upload My Report See how it works
15+ Data Points Extracted
3 Bureau Formats Supported
5 Dispute Letter Types
CreditIQ Pro — Analysis
647
Credit Score · FAIR
18
Total Accounts
42%
Utilization
4
Negative Items
14
Positive Items
FCRA §623
Furnisher reporting past DOFD — disputable
Metro 2
Balance update lag detected on account
Top Actions
1
Dispute collection — SOL expired +45 pts
2
Reduce USAA card utilization +22 pts
3
Goodwill request — Chase late pay +15 pts
FCRA Compliant Language
CROA Disclaimer Included
FDCPA Reference Ready
Educational Use Only
Data Encrypted at Rest
What CreditIQ Pro Does

Every angle of your credit, analyzed.

Powered by advanced AI trained on credit law, Metro 2 standards, and real dispute outcomes.

🏦
Bureau Detection
Automatically identifies if your report is from TransUnion, Equifax, or Experian — no manual selection needed.
📋
Tradeline Analysis
Every account parsed — balance, credit limit, payment history, late payments (30/60/90/120+ days), and score impact rating.
⚖️
Violation Detection
Flags Metro 2, FCRA §611, FCRA §623, FDCPA, FACTA, and furnisher violations with specific legal references.
📈
Score Factor Breakdown
Identifies HIGH_NEGATIVE, MODERATE_NEGATIVE, and POSITIVE score factors with specific recommendations for each.
✉️
Dispute Letter Generator
Generates 5 letter types: Bureau Dispute, Creditor Dispute, Debt Validation, Method of Verification, and Goodwill.
🎯
Dispute Strategy Plan
A step-by-step action sequence — who to contact first, which letters to send, and estimated score improvement ranges.
The Process

Three steps. Full clarity.

No confusing dashboards. No guesswork. Just upload and get your analysis.

01
Upload Your Credit Report PDF
Drag and drop your credit report from AnnualCreditReport.com, TransUnion, Equifax, or Experian. Files are encrypted in transit and at rest. Max 50MB, PDF only.
02
AI Analyzes Every Detail
The AI reads every account, inquiry, public record, and personal information block. It cross-references against Metro 2 standards and federal consumer finance law (FCRA, FDCPA, FACTA) to detect violations and inaccuracies.
03
Review & Generate Dispute Letters
Your full analysis dashboard shows tradelines, violations, score factors, and a ranked action list. Generate professional dispute letters for any item with one click — and export them as PDFs, ready to mail.
Everything Generated

Your complete credit intelligence package.

Every report produces a full, structured analysis saved to your private dashboard.

📊
Executive Summary
Credit score, health rating, total accounts, utilization, open vs. closed breakdown, and an improvement potential estimate.
🗂️
Full Tradeline Audit
Account-by-account review with score impact level (HIGH / MEDIUM / LOW), issues found, and a specific dispute recommendation for each.
🚨
Legal Violation Report
Severity-ranked list of CRITICAL, HIGH, MEDIUM, and LOW violations with the exact law section and recommended dispute action.
📬
Dispute Letters (PDF)
Professional, FCRA-compliant letters generated on demand. Includes proper salutation, legal citations, and is export-ready with your personal info placeholders.
🔍
Inquiry Analysis
Hard and soft inquiry breakdown with dates, creditor names, and impact descriptions. Hard inquiries that are disputable are flagged.
🗺️
Step-by-Step Dispute Plan
Sequenced action plan with target entities, letter types, priority levels, and estimated score improvement ranges (non-guaranteed projections).
Personal Use · Private · Encrypted

Ready to read your report for real?

This tool is currently in private use. Access is invite-only while in validation phase.

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CreditIQ Pro is an educational tool. Analysis results are non-guaranteed projections based on typical outcomes. This is not legal advice. Consult a qualified consumer finance attorney for legal guidance. All disputes are based on factual inaccuracies only.