Good morning, James
Your credit report was refreshed 2 hours ago · Credit365.AI active
718
VantageScore
↑ +23 points this month
Activity Timeline
AI letter generated & submitted to Equifax
Bureau acknowledged your dispute
Collection account removed — score +23 pts
Account created & credit report fetched
Active Disputes
4
2 pending · 2 in review
Items Removed
7
↑ 4 this quarter
Negative Items
3
Down from 10 originally
Total Invested
$105
7 letters purchased
Recent Disputes
| Account | Bureau | Filed | Status | Letter |
|---|---|---|---|---|
Capital One Platinum Card Late Payment — November 2023 | Equifax | Mar 12, 2025 | In Review | |
Midland Credit Mgmt Collection — $1,240 | All 3 | Feb 28, 2025 | Pending | |
Chase Auto Loan Not Mine — Identity Theft | TransUnion | Jan 14, 2025 | Resolved ✓ |
Credit Utilization
—%
Keep below 30% for best score impact
Hard Inquiries
—
Last 24 months
Hard Inquiries
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💡 Hard inquiries stay on your report for 2 years but only affect your score for 12 months. Dispute unauthorized inquiries with one click.
Activity Timeline
Recent account eventsLoading activity…
💡 Credit Health Tips
🏦 Funding Eligibility
Based on your credit profile, see if you qualify for business or personal funding:
⏳Credit score 620+
⏳Utilization below 40%
⏳Fewer than 6 hard inquiries
⏳Account age 1+ years
My Disputes
Track all active and resolved credit report disputes
| Account / Item | Bureau | Date Filed | Status | Action |
|---|---|---|---|---|
Capital One Platinum Card Late Payment — Nov 2023 | Equifax | Mar 12, 2025 | In Review | |
Midland Credit Mgmt Collection — $1,240 | All 3 | Feb 28, 2025 | Pending | |
Chase Auto Loan Not Mine — Fraud | TransUnion | Jan 14, 2025 | Resolved ✓ | |
Portfolio Recovery Assoc. Collection — $890 | Experian | Jan 6, 2025 | Resolved ✓ | |
Wells Fargo Credit Card Wrong Balance Reported | Equifax | Dec 20, 2024 | Denied | |
Navient Student Loan Payment History Error | All 3 | Nov 15, 2024 | Resolved ✓ |
File a New Dispute
Complete the steps below · Credit365.AI generates your FCRA letter · $15 charged at submission
Steps
1
Select Account
2
Dispute Reason
3
Your Statement
4
Upload Documents
5
Select Bureaus
6
Pay & Submit
Which account are you disputing?
Select the inaccurate item from your credit report
Capital One Platinum Card
$4,200
⚠ 1 late payment
Midland Credit Management
$1,240
⚠ In collections
Wells Fargo Auto
$12,400
⚠ Balance error
Unknown Creditor Inquiry
—
⚠ Not authorized
What's the dispute reason?
Choose the best description — we'll cite the correct FCRA statute
🚫
Not My Account
Fraud or identity theft — FCRA § 605B
📅
Incorrect Late Payment
Payment was made on time — FCRA § 623(b)
💰
Wrong Balance / Limit
Inaccurate amount reported — FCRA § 623(a)
✅
Account Already Paid
Debt satisfied but still showing — FCRA § 611
⏰
Statute of Limitations
Debt too old to report (7+ years) — FCRA § 605
📋
Other Inaccuracy
Wrong status, history, or personal info
Describe the inaccuracy
In your own words — Credit365.AI will add legal citations and formal language
Supporting documents
Attach proof to strengthen your dispute — strongly recommended
Click to upload or drag & drop files here
PDF, JPG, PNG · Max 10MB per file · Up to 5 files
Select credit bureaus
A tailored letter is sent to each bureau — all covered for the flat $15 fee
Equifax
Score: 718
Experian
Score: 714
TransUnion
Score: 721
Review & pay
Confirm your dispute details — payment is processed once you click Submit
Account
Capital One Platinum Card · Late Payment — Nov 2023
Dispute Reason
Incorrect Late Payment — FCRA § 623(b)
Submitting To
Equifax · Experian · TransUnion
Credit365.AI Dispute Letter
FCRA-compliant · All selected bureaus · Fully editable
One-time charge · No subscription · No recurring billing
$15
AI Dispute Letters
Credit365.AI-generated FCRA letters · $15 per letter · edit and download before sending
Your Letters
Capital One — Late Payment
$15 · Receipt #C365-20250312
Midland Credit — Collection
$15 · Receipt #C365-20250228
Chase Auto — Not Mine
$15 · Receipt #C365-20250114
Quick Generate
Billing & Receipts
Pay-per-dispute · $15.00 per AI letter · no subscription or recurring charges
1
File Your Dispute
Complete the guided wizard with your account details and what's inaccurate on your report
2
Pay $15 Once
Secure PayPal checkout · covers all bureaus you select · no recurring charges ever
3
Get Your AI Letter
Credit365.AI generates a personalized FCRA letter instantly — edit, download, or we submit for you
Purchase History
Total: $105.00 · 7 letters
| Letter | Date | Amount | Dispute Status | Receipt |
|---|---|---|---|---|
FCRA § 611 — Capital One Late Payment Equifax · AI Generated | Mar 12, 2025 | $15.00 | In Review | |
Debt Validation — Midland Credit All 3 Bureaus · AI Generated | Feb 28, 2025 | $15.00 | Pending | |
Identity Theft — Chase Auto TransUnion · AI Generated | Jan 14, 2025 | $15.00 | Resolved ✓ | |
FCRA § 611 — Portfolio Recovery Experian · AI Generated | Jan 6, 2025 | $15.00 | Resolved ✓ | |
Goodwill Deletion — Wells Fargo Equifax · AI Generated | Dec 20, 2024 | $15.00 | Denied | |
FCRA § 623(b) — Navient All 3 Bureaus · AI Generated | Nov 15, 2024 | $15.00 | Resolved ✓ | |
Pay-for-Delete — Midland Credit All 3 Bureaus · AI Generated | Oct 30, 2024 | $15.00 | Resolved ✓ |
Complete Your Purchase
AI Dispute Letter · Powered by Credit365.AI
Credit365.AI Dispute Letter
FCRA-compliant · All selected bureaus · Fully editable
$15
USD
Secured by PayPal · 256-bit SSL
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Payment Successful!
Your $15 payment was approved. Credit365.AI is now generating your personalized dispute letter.
Letter typeFCRA § 611 Dispute Letter
Date & time
Receipt number
Payment methodVisa ····3456
Total charged$15.00
Dispute Filed Successfully
Your AI-generated FCRA letter has been submitted to Equifax, Experian, and TransUnion. Bureaus are legally required to respond within 30 days.
Case NumberC365-2025-0847