Find your next best credit move.
Review account details from your credit report, spot items worth checking, and organize next steps. PDF text is temporary; account, payment, and letter tracking stays saved in this browser on this device.
Backup & recovery
Browser onlyChoose a backup file to save your account inventory, payment log, letter tracker, checklist, and totals. Automatic backups update about every five minutes while this app is open, when saved information has changed.
No backup file selected.
Choose a backup file to enable timed autosaves. You can also download a backup manually.
Backups are readable, unencrypted JSON and may contain sensitive financial details. Store them somewhere you trust; a OneDrive or other synced folder may copy the file to that service. PDF files, extracted report text, bureau comparisons, and unsaved letter drafts are not included. File access is tied to this browser and app address; on another device, choose or restore a backup there.
1. Account inventory
Saved on this deviceEnter accounts from your report or import a CSV. Update the reported balance and balance date when you review a newer report. Accounts sort by past-due amount, collection or delinquency status, then card utilization. This is an urgency guide, not a predicted score gain.
Leave these blank to calculate from the inventory. Manual totals override the calculation and do not change automatically when you log a payment.
| Priority | Account / type | Reported balance | Estimated after logged payments | Status | Past due | Payments / actions |
|---|
CSV headers: account,balance,limit,status,past_due. Optional headers: type,balance_date. No account numbers or personal identifiers are needed.
2. Extract and review report text
On this deviceSelect one or more bureau PDFs. Reports are processed locally and kept separate by bureau. If a bureau cannot be identified from the filename, assign it below.
The clue scan and FCRA review use the combined text, with bureau and filename labels. PDF files and extracted report text remain only in this page and are cleared when you leave or refresh.
3. Letter & response tracker
Reminder bar enabledLog letters you send, their tracking numbers, and the response date you expect. Set that date from the notice or delivery estimate you are following; it is a personal reminder, not a legal deadline calculation.
Compare an account across the bureaus
Private • stays hereCopy the same account details from each report into the matching column. Use reports from similar dates when you can. If an account is not listed, choose “Not listed” and leave its other fields blank. Blank fields mean “not reviewed.”
For a second opinion, review the CFPB checklist of common credit report errors and the CFPB guide to reviewing reports across bureaus.
Potential FCRA issues to verify
U.S. federal lawThis review connects entered account details and text clues to potentially relevant FCRA provisions. It cannot determine that an item is legally erroneous or that a violation occurred.
Federal rules that may apply
This tool covers general U.S. federal FCRA provisions only. State laws may add protections. A pattern match is not a legal conclusion; seek qualified legal help for case-specific advice.
Build a letter draft
Private • stays hereChoose a letter type, fill in only facts you can support, then review and copy or download the draft. Nothing is sent automatically.
Draft preview
Replace every bracketed prompt, remove anything that does not apply, and attach copies—not originals—of relevant records. Only enter the last four digits of an account number here; use a verified company channel if more identifying information is required. Include legal language only when its conditions match your facts; a citation does not prove a violation or guarantee a correction.
Official examples: CFPB credit-report letters · CFPB debt-collector letters · Debt validation rights.