Credi monitors every item across all 3 bureaus — tracking disputes round by round until your report is clean.
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Awaiting bureau response
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Initial dispute phase
Experian
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Equifax
EQF
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TransUnion
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Credi Recommends
Upload credit reports from all three bureaus to begin. Credi will automatically extract every negative item and prepare the optimal first-round dispute strategy.
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Upload reports to begin tracking
Upload Credit Reports
Upload reports from all three bureaus. Credi will extract every negative item, match it to the appropriate law, and prepare your dispute strategy.
How Credi Extracts Your Dispute Items
1Upload PDF reports from Experian, Equifax & TransUnion
2Credi reads every line and finds Collections, Charge-Offs, Late Payments, Hard Inquiries & more
3Each item is matched to FCRA §611, FDCPA §809, or Metro 2 — ready to dispute
CollectionAccount in collections
Charge-OffWritten off by original creditor
Late Payment30/60/90+ day delinquencies
Hard InquiryUnauthorized credit pulls
BankruptcyPublic record filings
Client Information
✓ Saved
🟢 Active:
ExperianP.O. Box 4500 · Allen, TX 75013
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Experian Report
Drop PDF or click to upload
CollectionsCharge-OffsLate PaymentsHard Inquiries
EquifaxP.O. Box 740256 · Atlanta, GA 30374
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Equifax Report
Drop PDF or click to upload
CollectionsCharge-OffsLate PaymentsHard Inquiries
TransUnionP.O. Box 2000 · Chester, PA 19016
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TransUnion Report
Drop PDF or click to upload
CollectionsCharge-OffsLate PaymentsHard Inquiries
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Extracting negative items...
Credi is reading your credit report
Ready to Extract?
Upload at least one bureau PDF above, then click Extract. Credi will scan every page and identify all negative items — Collections, Charge-Offs, Late Payments, Missed Payments, Hard Inquiries, Judgments, and Bankruptcies.
Dispute Items
All negative items extracted from uploaded reports. Select items to generate dispute letters.
✏️ Review Extracted Names: Credi auto-extracts creditor names from your credit report. If any name looks incorrect (e.g. shows partial text), click ✏️ Edit on that row to correct the creditor name and enter the account number. All 3 bureaus are listed separately — each needs its own letter.
SELECT ALL0 selected
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Add Item Manually
Letter Settings
No items loaded. Upload reports first.
Credi Analysis
Select a bureau and round to see Credi strategy analysis.
Generated Letter
Select options to generate a letter
Select options on the left and click "Credi Auto-Select" to generate your dispute letter.
Round Tracker
Full dispute history per client. Folders organize every client's progress by bureau and round.
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● Active Session · Round 1
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DISPUTE TIMELINE
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Generate and save letters to begin tracking
ITEM STATUS BY BUREAU
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📁 Client Folders
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No client folders yet
Click "Save to Client Folder" after uploading reports and generating letters to create a saved client record.
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Client Management
Every client's dispute progress — at a glance
Client Directory
All saved client folders
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No clients yet
Save client folders from the Round Tracker to see them here.
Brain Manager
Blacklist · Whitelist · Extraction Control
Manage which creditor names Credi blocks or always allows.
Bulk actions:
🚫 Blocked 0
✅ Allowed 0
➕ Add Entry
🚫 Blocked names are skipped during PDF extraction. Check the ones you want to unblock, then use bulk actions above. To permanently allow a name, move it to the Whitelist.
✅ Whitelisted names are always extracted — they override the blocked list. Add any legitimate creditor or collection agency here to ensure it's never filtered.
Manually Block a Name
Add a creditor name that Credi should skip during future extractions.
Manually Allow a Name
Add a creditor name that Credi should always extract — overrides any block.
Credi AI — Credit Law Expert
40+ years of FCRA, FDCPA, Metro 2, and credit dispute expertise at your fingertips.
Credi
● Online · 40+ Years Experience
Credi — Credit Intelligence Engine
I've spent 40+ years mastering FCRA, FDCPA, Metro 2, and every credit bureau's dispute process — and I never stop learning. Every correction you make, every successful dispute, every outcome makes me sharper. Ask me anything about your credit dispute strategy, specific accounts, applicable laws, or the best letter for your situation. I'll give you precise, actionable guidance backed by federal law and real-world results.
Quick Questions
Law Reference
Credi Intelligence
Evolution Level
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Tools & Agents
Credi — Credit Dispute Intelligence Platform
All tools, agents, and capabilities built into Credi — always on, always learning
⭐ Primary Agent
Credi
ACTIVE
Credit Dispute Intelligence Agent — 40+ years of FCRA, FDCPA, Metro 2 expertise. Extracts negative items from all 3 bureau PDFs, generates legally-precise dispute letters, tracks rounds, learns from every case, and evolves in real time.
PDF ExtractionLetter GenerationRound TrackingReal-Time LearningFCRA · FDCPA · Metro 2Client Folders
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Client Folders
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🔧 Built-In Tools
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Report Extractor
PDF → Negative Items
Parses Experian, Equifax, and TransUnion PDFs using Y-position line grouping. Identifies collections, charge-offs, late payments, inquiries, judgments, and bankruptcies.
ExperianEquifaxTransUnion6-Strategy Parser
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Letter Generator
5 Rounds · 10 Letter Types
Generates bureau-specific dispute letters citing FCRA §611, FDCPA §809, Metro 2 standards, and more. Auto-selects the optimal strategy for each round and item type.
FCRA §611FDCPA §8095 RoundsEmail / Print
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Round Tracker
Per-Client Dispute History
Organizes every client's full dispute timeline in collapsible folders. Tracks bureau responses, round advancement, and item-level status changes from pending → disputed → removed.
Client FoldersBureau ProgressTimeline View
Credi Intelligence Engine
Real-Time Adaptive Learning
Learns from every correction and dispute outcome. Manage exactly which creditor names get blocked or always allowed via the Brain Manager — Blacklist, Whitelist, and full manual control.
Full item table with per-item edit, status tracking, bureau filtering, and bulk actions. Manually add items, correct extracted names, and generate targeted letters for any selection.
Manual AddBulk SelectStatus Filters
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Credi AI Chat
Credit Law Expert · On Demand
Ask Credi anything about FCRA, FDCPA, Metro 2, dispute strategy, timelines, and specific account types. Responses are contextual to your active session and informed by 40+ years of expertise.
Law ReferenceStrategy AdviceQuick Questions
⚖️ Legal Framework
FCRA §611
Dispute rights with credit bureaus. 30-day investigation window. Deletion if unverifiable.
FCRA §623
Furnisher accountability. Creditors must investigate disputes and correct inaccurate data.
FDCPA §809
Debt validation rights. Collectors must verify and cease collection on disputed debts.
Metro 2 Format
CDIA reporting standard. Non-compliant Metro 2 data is grounds for deletion.
FCRA §605
7-year reporting limit. Bankruptcies 10 years. Age violations mandate deletion.
CFPB Complaints
Regulatory escalation when bureaus and furnishers fail to respond appropriately.
🗺 Dispute Workflow
1
Upload Reports
Upload all 3 bureau PDFs. Credi extracts every negative item automatically.