Friday, April 24 · Welcome back, Dominic

Your agency today

A snapshot of where you stand — plus tactical moves to grow it. Tap any number for a "how to improve this" coaching session.

Health check

Clients needing your attention

Sorted by who's been stuck the longest

Recent wins 🎉

Use these for marketing

Removed Apr 23

Capital One charge-off — Sarah Brooks

28 days · re-aging dispute

Removed Apr 21

Portfolio Recovery — Dominic Pruett

FDCPA validation · couldn't verify

Removed Apr 18

2 inquiries — Marcus Johnson

§604 unauthorized · clean win

Grow your agency

Tactical playbooks for the next 30 days

The AI Coach pulls these straight from real credit-repair operator playbooks. Pick one and run with it.

Want a deeper curriculum?

Quick actions

Clients

17 active · 12 on track · 5 need attention

Client	Status	Active letters	Items removed	Last activity
MJ Marcus Johnson marcus.j@example.com	needs attention	7 active	2	2 days ago
SB Sarah Brooks sarah@example.com	winning 🎉	4 active	5	today
DP Dominic Pruett dom@example.com	active	5 active	1	today
AT Ada Tran ada.tran@example.com	needs attention	4 drafted	0	11 days ago
JR Jamie Rodriguez jamie@example.com	needs attention	3 active	1	today
RP Robin Park robin@example.com	active	2 active	3	today
CK Chris Kim chris.kim@example.com	new	none yet	0	yesterday
+ 10 more clients · scroll or filter to see them all

Marcus Johnson

marcus.j@example.com · client since Feb 8, 2026

Items disputed

Items removed

Letters past deadline

Days active

Marcus might be stuck.

3 of his round 1 letters are past 30 days with no response. The system has auto-drafted round 2 escalation letters for all three. He hasn't logged in to mail them yet — could be a good moment for a quick check-in call.

Active letters · 7

3 past deadline · 2 in transit · 2 awaiting response

Wins so far · 2

2 unauthorized inquiries removed · Apr 18

Notes

Has a complex bankruptcy from 2020 we should review together.

Activity

3 letters auto-escalated to round 2 — no response from creditors after 30 days

2 days ago

2 unauthorized inquiries removed from Experian

Apr 18

Mailed 7 round-1 dispute letters

Mar 22

Uploaded credit report (IdentityIQ tri-merge)

Mar 8

Account & branding

Your plan, your white-label setup, and your team — all in one place.

Your plan

Agency · $297/mo

17 of 100 active clients · custom domain · full white-label

Payment method

VISA

•••• •••• •••• 4242

expires 11/28

Next charge

May 12, 2026 · $297.00

Cancel anytime — no contracts.

Compare plans · what's in Enterprise? Click to expand

Solo Coach

$97/mo

For coaches just getting started

Up to 25 active clients
Logo + accent color (basic white-label)
AI Coach for clients
Round 1 letter library
No custom domain
No team accounts

Your plan

Agency

$297/mo

Most coaches land here

Up to 100 active clients
Full white-label (logo, color, name)
Custom domain with auto SSL
Up to 5 team members
Compliance kit + Coach training
Email + chat support

Enterprise

$497/mo+

Multi-coach agencies and franchises

Unlimited clients
Custom letter templates (your IP, agency-only)
White-label email sender (notifications from your domain)
Unlimited team members + SSO
API access for CRM / Zapier
Dedicated success manager
Priority support · 4-hour SLA
Compliance review reimbursement ($500/yr)

What "Enterprise" actually unlocks

Custom letter templates (your IP)

Upload your own dispute letters and question flows. Your clients use your playbook — not the platform default. Massive retention moat: switching costs go up the longer you've invested.

White-label email sending

Client notifications come from notifications@yourdomain.com (DKIM/DMARC handled). Clients never see "DisputeRight" in their inbox.

API + Zapier integrations

Pipe new clients in from your CRM. Push wins out to your marketing automation. Zapier connector + 100+ ready-made workflows.

Multi-team & roles

Owner / Admin / Coach / Support roles. Coaches see only their assigned clients. Audit log for everything. SSO via Google Workspace or Okta.

Dedicated success manager

A real person who knows your agency, runs quarterly reviews, escalates feature requests, and helps you onboard team members.

Compliance reimbursement

Up to $500/yr toward a consumer-finance attorney reviewing your contracts and state CSO setup. Submit the receipt, we credit your account.

Pricing: $497/mo base up to 250 active clients, then $1.50/client/mo above 250. Annual contracts get 20% off.

Recent invoices

Apr 12, 2026

$297.00 · paid

Mar 12, 2026

$297.00 · paid

Feb 12, 2026

$297.00 · paid

Coach Training

Build the credit-repair business you actually want

Eight modules. Self-paced. Built for agency owners who want fundamentals + growth in one curriculum.

Your progress

2 of 8 modules complete

Estimated 6 hours of focused work to certification. Most coaches finish in 2 weekends.

Last lesson: Reading a tri-merge — what to look for

Curriculum

Complete ✓

~45 min

Foundations: Credit Repair 101

FCRA, FDCPA, CROA, Metro 2 in plain English. What each law actually does and why it gives your clients leverage.

5 lessons · 1 quiz

Complete ✓

~50 min

Reading a tri-merge — spot the wins

DOFD, re-aging, Metro 2 inconsistencies, balance/high credit math, charge-off vs collection. Walkthrough on a real anonymized report.

6 lessons · annotated PDF · 1 quiz

In progress · 3/7

~55 min

The intake interview

Question scripts that get the right info from clients without overwhelming them. The 5 questions that change everything for charge-offs.

7 lessons · 3 client scripts · 1 quiz

Locked · finish 3 first

~60 min

Letter strategy: round 2, MOV, §609

When round 1 comes back "verified," what to send next. Method-of-Verification demands, §609 documentation requests, and the escalation ladder.

8 lessons · template gallery · 1 case study

Locked

~70 min

Compliance, the painless version

CROA dos and don'ts. State CSO laws (the 9 states that matter most). What NOT to put in your marketing copy. Sample contract walkthrough.

8 lessons · attorney-reviewed handouts · 1 quiz

Locked

~80 min

Marketing for credit-repair agencies

Lead funnel design, content strategy, social proof from your wins, paid ads basics, partnership lanes (realtors, mortgage brokers, auto dealers).

10 lessons · swipe files · 1 funnel build

Locked

~50 min

Retention & upsells

Keeping clients past their first big win. Tiered packages (Bronze/Silver/Gold). Life-after-removal services: credit building, dispute monitoring, score coaching.

6 lessons · 3 upsell scripts

Locked

~75 min

Building a team

When to hire your first coach. Compensation models that work. Roles to delegate first. SOPs for client handoffs. Avoiding the "I'm still doing everything" trap.

7 lessons · 1 hiring rubric · 1 SOP template

Stuck on something?

Ask the AI Coach anything from any module — 24/7

Every concept in this curriculum is something you can ask the Coach about anytime, in any of your screens. No waiting on office hours, no scheduling. The Coach knows the modules cold and answers in plain English with examples from real credit-repair work.

Resource library · 38 swipe files

Welcome email sequence (5 emails for new client onboarding)

.docx

"You're closer than you think" SMS scripts (3 variants)

.txt

Realtor partnership pitch deck (10 slides + speaker notes)

.pptx

Bronze / Silver / Gold pricing page template

.figma

Discovery call script · 18 questions that close

.pdf

Friday, April 24 · Day 12 of your dispute campaign

Good morning, Dominic.

Here's what's worth your attention today.

Most important thing today

Your Synchrony round 2 letter is ready to print.

TransUnion verified your round 1 dispute on April 19. We've already drafted the round 2 letter that goes directly to Synchrony — they have to investigate themselves now.

Your active letters

Coming up

Apr

Round 2 ready to mail

Synchrony · today + 4 days

soon

May

Capital One response deadline

30-day FCRA clock ends

scheduled

May

Equifax round 1 deadline

"Your bureaus disagree" letter

scheduled

Want a 60-second walkthrough of where you stand?

I'll summarize what you've sent, what's pending, what to do next, and what realistic outcomes look like.

tri-merge-feb-2026.pdf · parsed 2 minutes ago

Here's what we found

In plain English. Tap any card to dig in.

Good news, Dominic — you have real leverage here.

We found 11 high-leverage issues across 5 accounts. The biggest win: Capital One looks like they moved your delinquency date forward, which is illegal. We're going to start there.

Accounts on your report

Issues we can dispute

Hard inquiries

Public records

Show me:

Capital One

$2,847 owed · ****4421

strongest case

Looks like Capital One moved your delinquency date forward — which they're not allowed to do. This is your strongest dispute on this whole report.

Review

Portfolio Recovery

$1,420 collection · ****8810

strongest case

A debt collector just contacted you about this. By law, you have 30 days to make them prove the debt is real — and they have to stop collecting until they do.

Review

Synchrony Bank / Care Credit

Late mark · ****2233

decent shot

One credit bureau says you were 30 days late. The other two say you were on time. Since they don't agree, we can challenge the late mark.

Review

Chase Sapphire

Open & current · ****0091

looking good

Reporting cleanly across all three bureaus. Nothing to dispute — and good accounts like this are actually helping your score.

3 inquiries you don't recognize

Auto Lender Group · Lendmark Financial · OneMain Financial

decent shot

These are credit pulls you didn't authorize. They knock points off your score and they shouldn't be there. We can dispute all three at once.

Review

Capital One

strongest case

$2,847 · charge-off · Account ending in 4421 · Reporting on all 3 bureaus

What we noticed

They moved the date you stopped paying

est. +25-40 pts if removed

Two of the bureaus show different "first stopped paying" dates for the same account — Equifax says March 2022, Experian says June 2022. That's called re-aging, and federal law (FCRA §623(a)(5)) says they can't do it. It's a strong dispute.

The math doesn't add up

est. +5-10 pts if corrected

Your reported balance ($2,847) is higher than your reported credit limit ever was ($2,500). That can't be right, and the inconsistency itself gives us grounds to dispute.

Score estimates are based on FICO modeling and aren't guarantees. We don't promise specific outcomes — but removed errors can only help.

Quick interview

1 of 4

DisputeRight

First, do you recognize this Capital One account?

Your answers stay in your account. We use them only to choose the right letter strategy for you.

Interview complete

Here's your game plan for Capital One

Based on what you told me, three different letters give you three different angles. Mail them all in the same round — bureaus and the creditor have to investigate each one.

The "you can't move my date forward" letter

→ Capital One · 1 letter · cites FCRA §623(a)(5)

strongest

You told me your last payment was January 2022. The bureaus are reporting a delinquency date later than that — which is illegal re-aging. This is your knockout punch on this account.

The "your bureaus disagree with each other" letter

→ Equifax, Experian, TransUnion · 3 letters · cites FCRA §611

strong

The bureaus are reporting different delinquency dates for the same account. They're legally required to investigate and reconcile when you point this out. Often results in deletion.

The "your math is wrong" letter

→ Capital One · 1 letter · cites FCRA §623

solid

Reported balance is higher than the credit limit ever was. That's mathematically impossible — and grounds for dispute on its own.

Generate all 5 letters

Print, sign, and mail in one envelope round.

"You can't move my date forward" — Capital One

Letter 1 of 5 · cites FCRA §623(a)(5) · Print, sign, mail CMRRR

Dominic Pruett
123 Example St
Atlanta, GA 30301

April 24, 2026

Capital One
Attn: Credit Bureau Disputes
PO Box 30285
Salt Lake City, UT 84130

Re: Account ending in 4421 — Dispute of inaccurate Date of First Delinquency

To Whom It May Concern,

💬 I am writing pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. § 1681s-2(a)(5), to dispute the Date of First Delinquency (DOFD) currently being reported on the above-referenced account.

💬 My records show my last payment on this account was made in January 2022, which would establish a Date of First Delinquency no later than February 2022. However, the DOFD currently reporting on my Equifax file is March 2022, and my Experian file shows a DOFD of June 2022. These dates are inconsistent with one another and inconsistent with the actual delinquency date, suggesting the DOFD has been improperly re-aged in violation of 15 U.S.C. § 1681s-2(a)(5)(A).

💬 Under FCRA § 623, you are obligated as a furnisher of information to ensure the accuracy and integrity of all data reported to consumer reporting agencies. The Metro 2 reporting standard requires the Date of First Delinquency to remain fixed once established and to be reported consistently across all bureaus. The current reporting fails both requirements.

💬 I request that you (1) investigate the accuracy of the DOFD currently being reported, (2) correct the date to reflect the actual original delinquency, and (3) ensure that the corrected date is reported uniformly to all three nationwide consumer reporting agencies. If the DOFD cannot be substantiated with original documentation, I request that the tradeline be deleted from my credit file in its entirety.

Please provide a written response within thirty (30) days as required under federal law. I have enclosed copies of my driver's license and a recent utility bill for identity verification.

Sincerely,

Dominic Pruett

[Sign here before mailing]

Confused by the legal stuff?

Hit "Show coach notes" up top and I'll annotate every paragraph in plain English. Or just ask me anything.

How to mail it

Print the letter and the envelope label

Mail CMRRR at the post office (about $9)

Save the green card — that's your proof of delivery

Heads up

Verify the address before sealing — Capital One occasionally rotates their dispute PO box.

ROUND 1 in transit Day 2 of 30

"You can't move my date forward"

Capital One charge-off · cites FCRA §623(a)(5)

Letter timeline

Drafted

Apr 18

Printed

Apr 21

Mailed

Apr 22

●

Delivered

Apr 24-26

○

Response

by May 22

○

Resolved

—

Letter details

Strategy: DOFD re-aging dispute (FCRA §623(a)(5) + Metro 2)
Round: 1 of 3 · initial dispute
Account: Capital One — ****4421 · charge-off
Sent to: Capital One · Attn: Credit Bureau Disputes · PO Box 30285, Salt Lake City UT 84130
Sent from: Dominic Pruett · 123 Example St, Atlanta GA 30301
Mailed: April 22, 2026 · CMRRR · $9.45 postage
Tracking: 9214 8907 1234 5678 9012 USPS →
Delivery: In transit · expected Apr 24-26
Response deadline: May 22, 2026 · 30 days from delivery under FCRA
Linked letters: · same dispute round

Letter content Click to expand

Dominic Pruett · 123 Example St · Atlanta, GA 30301

April 22, 2026

Capital One · Attn: Credit Bureau Disputes · PO Box 30285 · Salt Lake City, UT 84130

Re: Account ending in 4421 — Dispute of inaccurate Date of First Delinquency

To Whom It May Concern,

I am writing pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. § 1681s-2(a)(5), to dispute the Date of First Delinquency (DOFD) currently being reported on the above-referenced account.

My records show my last payment on this account was made in January 2022, which would establish a Date of First Delinquency no later than February 2022. However, the DOFD currently reporting on my Equifax file is March 2022, and my Experian file shows a DOFD of June 2022...

[full letter content truncated for preview]

No response yet

Capital One has until May 22, 2026 to respond. When something arrives in the mail, snap a picture and we'll log it here.

What to do now

Nothing! This letter is in transit. The clock will start the moment it's delivered. We'll auto-log delivery from your USPS tracking, and we'll nudge you when it's time for round 2.

If they don't respond

FCRA says they have 30 days to investigate. If May 22 passes with no response, that's actually good news — the law says the disputed item should be deleted. We'll auto-draft a "you missed your deadline" follow-up.

Possible outcomes

Deleted — Best case. The tradeline comes off your report.

Corrected — They fix the date but keep the tradeline.

Verified — They claim the data is right. Round 2 starts.

No response — Counts as deletion under FCRA.

Your letters

Your whole campaign at a glance. Each column is a stage; each card is a letter.

2 drafted

2 in transit

0 awaiting

3 action needed

1 win 🎉

Click any card to drill in

Drafted

Print, sign, mail

R1 part of round

"Your bureaus disagree" — Experian

→ Experian · Capital One DOFD

R1 part of round

"Your bureaus disagree" — TransUnion

→ TransUnion · Capital One DOFD

In transit

Clock starts on delivery

R1 day 2 of 30

"You can't move my date forward"

→ Capital One

📬 mailed Apr 22

R1 day 2 of 30

"Your bureaus disagree" — Equifax

→ Equifax

📬 mailed Apr 22

Awaiting

Delivered · 30-day clock running

Nothing here yet — your in-transit letters will land here once delivered.

Action needed

You decide what's next

R2 ready to mail

"This late wasn't actually late"

→ Synchrony Bank · §623

⚡ next step: print + mail

R1 overdue · 40 days

"I didn't authorize this pull"

→ Experian · OneMain

⚡ escalation auto-drafted

R1 verified Apr 19

"This late wasn't actually late"

→ TransUnion

⚡ R2 ready to mail

Wins

1 🎉

Items removed from your report

R1 REMOVED ✓

"Prove this is a real debt"

→ Portfolio Recovery

$1,420 collection · gone

Learn

Everything we wish someone had told us. Read it through, or just dip in when you need to.

How credit reports actually work

Where the info comes from, why bureaus disagree, what's on it that shouldn't be.

The dispute process, start to finish

What happens after you mail. The 30-day clock. What "verified" really means. How escalation works.

Your rights, in plain English

FCRA, FDCPA, CROA — which one protects you when, and what each one actually says.

Will this help or hurt my score?

The short answer is "help." The longer answer is "it depends." Here's what affects your score.

Glossary

Tap any term anywhere in the app and you'll get a quick definition. Here they all are in one place.

Charge-off

When the original lender writes off your debt as a loss after about 6 months of missed payments. It doesn't mean you don't owe it — it means the lender gave up trying to collect from you directly. The 7-year reporting clock starts from the original delinquency date, not from the charge-off date.

DOFD (Date of First Delinquency)

The first month you stopped paying. The single most important date on a charge-off because it sets the 7-year clock for how long the negative info stays on your report.

Re-aging

When a creditor or bureau changes the DOFD to a later date than the actual original delinquency. Illegally extends how long a negative item stays on your report. Strong dispute angle when it happens.

Tradeline

Just the credit-industry word for "an account on your credit report." A credit card is one tradeline, a car loan is another tradeline, a collection is another.

CMRRR (Certified Mail Return Receipt Requested)

A way to mail letters at the post office where they keep a record of delivery and you get a green card back showing exactly when they received it. About $9 per letter. This proof of delivery starts the legal 30-day clock.

FCRA (Fair Credit Reporting Act)

The federal law that controls what's on your credit report and your right to dispute it. Applies to bureaus and creditors who report data.

FDCPA (Fair Debt Collection Practices Act)

The federal law that limits what debt collectors can do when collecting from you. Applies to third-party collectors only, not original creditors.

Metro 2

The standardized data format creditors are required to use when reporting to credit bureaus. When the data they report has internal contradictions or missing fields, that's a "Metro 2 violation" — and grounds to dispute.

Run your whole agency on your own brand.

Credit repair, but you actually understand what's happening.

Welcome back

Your agency today

Clients

Marcus Johnson

Reports

Account & branding

Good morning, Marcus.

Compliance kit

Build the credit-repair business you actually want

Good morning, Dominic.

Your active letters

Coming up

Get your report into the app

Here's what we found

Capital One

Here's your game plan for Capital One

"You can't move my date forward" — Capital One

Your dispute calendar

Upcoming this month

"You can't move my date forward"

Your letters

Drafted

In transit

Awaiting

Action needed

Wins

Your wins

Got a response in the mail?

Learn

Glossary