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692
Your Score
Fair Range
580–669 · Improving
300580670740850
+47 pts
—
Points gained this month
Active
—
Disputes in progress
Removed
—
Negative items removed
45 days
—
Days since enrollment
Low
—
Credit utilization
Good
—
Accounts in good standing
Recent Activity
Last 30 DaysMarch 5, 2025
Collection — Midland Credit
Disputed as unverifiable. Bureau confirmed removal.
✓ Removed from ExperianFeb 28, 2025
Late Payment — Capital One (2022)
Dispute submitted to all three bureaus. Awaiting response.
⏳ Pending — 15 days remainingFeb 18, 2025
Charge-Off — Portfolio Recovery
Inaccurate balance reported. Successfully removed from TransUnion.
✓ Removed from TransUnionFeb 10, 2025
Unauthorized Hard Inquiry
Dispute filed. Bureau currently investigating.
🔍 Under InvestigationDispute Tracker
Your Active Disputes
All disputes filed on your behalf — updated in real time.
Filed Mar 5 · Experian
Collection — Midland Credit Management
Reported as unpaid. Disputed as unverifiable — no documentation provided by creditor.
✓ Successfully RemovedFiled Feb 28 · All 3 Bureaus
Late Payment — Capital One (Jan 2022)
Payment made on time but reported 30 days late due to creditor processing error. Bank statements submitted.
⏳ Pending ResponseFiled Feb 18 · TransUnion
Charge-Off — Portfolio Recovery
Balance reported as $3,200 but was settled at $0. Inaccuracy disputed with settlement letter proof.
✓ Successfully RemovedFiled Feb 10 · Equifax
Unauthorized Hard Inquiry
Hard inquiry from unknown lender client did not authorize. Identity theft claim filed alongside dispute.
🔍 Under InvestigationFiled Jan 30 · Experian & Equifax
Medical Collection — Mercy Health
Medical debt disputed under updated CFPB regulations for immediate removal.
⏳ Awaiting ResponseBureau Scores
Scores Across All 3 Bureaus
Updated monthly when new reports are pulled.
Equifax
688
↑ +52 pts
Fair · Was 636 at enrollment
Experian
701
↑ +61 pts
Good · Was 640 at enrollment
TransUnion
687
↑ +44 pts
Fair · Was 643 at enrollment
Score Range Guide
300–579 · Poor — Most lenders decline
580–669 · Fair — Some approvals, higher rates
670–739 · Good — Most lenders approve
740–799 · Very Good — Better rates available
800–850 · Exceptional — Best rates, highest approvals
Documents
Your Files & Reports
All your credit reports, dispute letters, and documents in one place.
Full Credit Report — March 2025
Dispute Letter — Capital One
Removal Confirmation — Midland
Enrollment Agreement
Credit Action Plan — Q1 2025
Progress Report — Feb 2025
Action Plan
Your Personalized Credit Plan
Steps recommended by your advisor to accelerate score improvement.
Keep credit utilization below 10%
Your current utilization is 18% — reducing to under 10% could boost your score within 30 days.
↑ Estimated: +15 to +25 points
Open one additional credit card
Adding a new account increases available credit, lowering overall utilization. We recommend a no-fee secured card.
↑ Estimated: +10 to +20 points
Set up autopay on all accounts
Payment history is 35% of your score. Autopay ensures you never accidentally miss a payment.
↑ Protects existing score gains
Become an authorized user
If a family member has a long-history, low-utilization card, you can inherit their credit history instantly.
↑ Estimated: +20 to +40 points
Do not apply for new credit yet
Each hard inquiry drops your score temporarily. While disputes are active, avoid any new applications.
↓ Protects against -5 to -10 drops
Support
Contact Your Advisor
We're here whenever you need us — reach out any time.
Schedule a Call
Book a one-on-one session with your credit advisor to review progress, ask questions, or adjust your plan.
Book AppointmentReach Us Directly
Have a quick question? Call or email and we'll respond within 24 hours.
Call (555) 000-0000[email protected]