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Watch CreditIQ AI in 60 seconds

A narrated walkthrough of the real app, using a sample file.

aicreditiq.com/app · Jordan Rivera
1 in 5

people had an error on at least one credit report.

Federal Trade Commission, Report to Congress on Credit Report Accuracy, 2012

Drop in your free report

PDF
14 accounts read

Every account, checked automatically

Midland Credit ···4471 · EquifaxFCRAMetro 2Facts
Capital Auto ···1188 · EquifaxFCRAMetro 2Facts
Northline Collections ···9020 · TransUnionFCRAMetro 2Facts
Summit Card ···3302 · ExperianFCRAMetro 2Facts

Your dispute plan, built for you

Midland Credit ···4471 · Equifax
FCRA §623(a)(2)Metro 2: Current BalanceFCRA §611
Northline Collections ···9020 · TransUnion
FCRA §623(a)(5)Metro 2: Date of First Delinquency
Old Bank Card ···7710 · Experian
FCRA §605(a)(4)FCRA §605(c)

One question per item

Midland Credit ···4471 · Equifax
YesNo
Northline Collections ···9020 · TransUnion
YesNo
Old Bank Card ···7710 · Experian
YesNo

One tap. Every letter written.

Draft 3 letters
Equifax Information Services LLC

Re: Midland Credit ···4471

Under section 611 of the Fair Credit Reporting Act… reported as paid but still shows a balance of $412…
TransUnion Consumer Solutions

Re: Northline Collections ···9020

…no date of first delinquency is reported, as section 623(a)(5) requires…
Experian

Re: Old Bank Card ···7710

…more than seven years and 180 days ago. Under section 605, this item must be removed…

Mailed, tracked, and reminded

  • 3 letters approved
  • Mailed certified
  • Delivered
  • Responses due in 30 days

Results and progress

Equifax response: balance updated to $0
0letters sent
0responses
0items updated or deleted
0waiting

See what may be wrong on your own report.

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See what may be wrong on your own report.aicreditiq.com/checkupFree · Sample data in this video · Results vary
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Sample data with made-up names. Real results vary, and no one can guarantee a deletion or a score change.