DisputeBot analyzes your credit report for reporting inconsistencies, underwriting blockers, and negative accounts that may qualify for targeted enforcement.
Supports Experian, TransUnion, Equifax, IdentityIQ, MyScoreIQ, SmartCredit, and more.
Four steps from upload to enforcement-ready intelligence.
Upload your credit report from any major bureau or provider.
Our engine parses tradelines, detects Metro 2 inconsistencies, and classifies accounts.
Receive a detailed analysis with prioritized enforcement strategies.
Targeted removal paths for bureau-negative accounts with compliance-backed strategy.
Every tradeline is parsed against hundreds of datapoints to build a forensic-grade analysis.
Three distinct analysis layers power every report.
Every tradeline is checked against Metro 2 reporting standards. We detect balance conflicts, timeline conflicts, payment conflicts, lifecycle conflicts, and status conflicts across all accounts — positive or negative.
Accounts are reviewed for reporting accuracy, investigation concerns, identity/authorization issues, and data integrity concerns. These findings are surfaced separately from bureau-negative classification.
Your profile is scored against underwriting thresholds including utilization, inquiry depth, derogatory suppression, revolving depth, and payment history — giving you a clear status: Not Ready, Almost Ready, or Ready.
A snapshot of what your forensic analysis looks like.
Once your profile reaches readiness, FundingBot unlocks approval optimization, lender sequencing, and limit prediction — all powered by your forensic analysis data.
Upload your credit report and receive a forensic action plan with prioritized enforcement strategies.
Analyze My Credit Report →