How to Use Credit365

Dispute credit report errors, build your score, and manage your account.

1. Getting Started

Create an account at credit365.io using your real name, a valid email, and your current mailing address. Your name and address will appear on dispute letters, so they must match what's on your credit report.

2. Uploading a Credit Report

Click Upload Credit Report on your dashboard. We accept PDF credit reports from AnnualCreditReport.com, TransUnion, Equifax, Experian, IdentityIQ, SmartCredit, Privacy Guard, or any other credit monitoring service.

The system extracts text from the PDF using your browser — your report never leaves your device during extraction. Only the extracted text is sent to our AI for analysis.

3. Understanding the AI Analysis

Once uploaded, AI analyzes your report in 30-60 seconds. For large reports (45+ items), it splits into multiple chunks. When done, items are categorized by impact:

🔴 High Charge-offs, collections, repossessions, bankruptcies. Dispute these first.

🟡 Medium Late payments, older collections, closed accounts with negative history.

🟢 Low Hard inquiries, minor discrepancies. Clean up after high-impact items.

Items are split into Negative Accounts and Hard Inquiries with separate select-all checkboxes.

4. Choosing a Letter Type

Credit365 offers four types of dispute letters:

5. Picking a Dispute Reason

• Not My Account — you don't recognize this account
• Inaccurate Information — it's yours but details are wrong
• Duplicate Account — same debt appears twice
• Already Paid / Settled — paid but still shows negative
• Beyond Reporting Period — older than 7 years (FCRA §605)
• Fraud / Identity Theft — someone opened this in your name
• Wrong Balance / Amount — balance shown is incorrect
• Wrong Account Status — status code doesn't match reality
• Never Late — you were never late on payments

6. Bureau Selection

Send dispute letters to 1, 2, or all 3 bureaus. Each bureau maintains its own copy of your report. For maximum impact, dispute with all three.

• TransUnion — P.O. Box 2000, Chester, PA 19016
• Equifax — P.O. Box 740256, Atlanta, GA 30374
• Experian — P.O. Box 4500, Allen, TX 75013

7. Reviewing Your Letter

After payment, your letter generates instantly. Click Open Letter to see it. Each bureau gets its own tab. You can view, print, or regenerate with a different reason (free).

8. Mailing via Certified Mail

Click 📬 Mail via Certified Mail to send electronically through USPS Certified Mail with Electronic Return Receipt. Flat $15 per dispute (covers all bureaus).

After mailing, a 📋 Receipt button appears with batch ID, USPS tracking, and delivery confirmation.

9. After You Mail — The 30-Day Clock

Under FCRA §611, the bureau has 30 days from receipt to investigate. They must:

1. Investigate your dispute with the creditor
2. Notify you of results in writing
3. Delete or modify the item if it can't be verified
4. Provide a free updated credit report if changes are made

10. Dispute Rounds & Escalation

Click the 🔄 Rounds tab to see disputes organized by creditor with FCRA countdown timers.

Click ⏰ Check FCRA Deadlines to see which disputes are ready for escalation.

11. Score Simulator

Select items and click 📊 Predict Score to see estimated score change if those items are removed. Based on FICO factor weights: payment history (35%), amounts owed (30%), credit length (15%), new credit (10%), and credit mix (10%).

12. Document Vault

Click 🔒 Vault to securely store identity documents:

• 🪪 Government ID (driver's license, passport)
• 🏠 Proof of address (utility bill, lease)
• 🔢 SSN card
• 🏦 Bank statements

Ready when a bureau asks for identity verification during a dispute.

13. AI Coach

Click 🤖 AI Coach for personalized guidance. The coach remembers your dispute history, suggests next steps, explains credit concepts, and answers questions. Ask things like:

• "Which items should I dispute first?"
• "What does charge-off status code 97 mean?"
• "Should I send a goodwill letter to Capital One?"
• "My score hasn't changed after a deletion — why?"

14. Building Credit After Disputes

Click 💡 Build Credit for personalized recommendations:

• Secured Credit Cards — build positive payment history with a small deposit
• Credit Builder Loans — add installment history while saving money
• Authorized User — get added to a family member's long-standing card
• Credit Monitoring — track score changes and removal alerts

15. Frequently Asked Questions

How long does a dispute take?

The bureau has 30 days from receipt. Most responses come in 2-4 weeks.

What if the bureau says "verified"?

Escalate to Round 2 (stronger follow-up) or Round 3 (CFPB complaint). Check the Rounds tab.

Can I dispute accurate information?

You can dispute anything, but accurate information can't be permanently removed. Focus on genuinely inaccurate or unverifiable items.

When should I use Goodwill vs Metro2?

Goodwill is for late payments on otherwise good accounts — you're asking for a favor. Metro2 is for incorrect data — you're demanding a legal right.

When should I use Debt Validation?

When a collector reports a debt you don't recognize. FDCPA requires them to prove they own it.

How much does it cost?

$69 per item (all 3 bureaus). $25 single bureau. $15 certified mailing. Report upload and AI analysis are free.

Is my data secure?

PDF text extracted in your browser. All communications encrypted via HTTPS. Vault documents stored securely.

Can I use Credit365 on my phone?

Yes — visit credit365.io in Chrome/Safari, tap "Add to Home Screen" for an app-like experience.