This is a real example of what a complete credit report analysis looks like from our team. Includes score comparison, positive accounts, negative accounts, FCRA violations detected, and a prioritized action plan.
BEFORE
547
PoorNOW
554
FairTransUnion — 2 reports compared, 10 days apart
New Active Affirm Accounts
In report 554, more new Affirm accounts appear open and current. All are "OK", no late payments, reporting recent activity. This helps the score because it generates recent payment, positive activity, and credit mix.
BM82****
OK77F4****
OKE25N****
OKU4H1****
OKIMM09**
OKBalances Dropped on Some Accounts
AFFIRM BM82****
AFFIRM WJGP****
This doesn't mean automatic deletion, but they are strong candidates for dispute.
Inconsistent Payment History
Credit One Bank
Account shows '120 days late' + 30 late = 1, 60 late = 1, 90 late = 2. But also says 'Canceled by credit grantor'. No clear logical delinquency sequence. Payment history incomplete or contradictory.
FCRA Legal Basis
FCRA § 623(a)(1)(A) — Furnishers cannot report information they know is inaccurate
Account Status Inconsistency
Capital One (51780578****)
Shows 'Open' but also 'Terminated'. An account normally shouldn't appear as open and terminated simultaneously without clear explanation.
FCRA Legal Basis
FCRA § 611 — Re-investigation of disputed information
Incorrect Balance / Data Integrity
Kohls / Capital One
Balance $0 but shows '$21,265' in another section. Completely illogical for a Kohl's card with ~$300 limit. Possible parsing error or incorrect data reported.
FCRA Legal Basis
FCRA § 623(a)(1) — Furnishers must report complete and accurate information
Possible Re-Aging
Discover, Citi, Merrick, Barclays, Synchrony, Target, Capital One
Multiple charged off accounts keep updating in April 2026 / May 2026. If debt was already charged off or sold, monthly updates may re-age the account indirectly and artificially damage the score.
FCRA Legal Basis
FCRA § 605(c) — Date of first delinquency must not change + Metro 2 compliance
Double Reporting Risk
Comenity/Ulta and Sephora
Both say 'Purchased by another lender' but still report derogatory balance. If debt was truly sold, original balance should report $0 or indicate transferred/sold balance correctly.
FCRA Legal Basis
FCRA § 623(b) — Furnishers must report transferred accounts accurately
We attack these accounts first because they're major banks, have strong impact, and several have inconsistencies.
Prioritized Dispute Plan
Credit One Bank
FCRA DisputeStrong dispute for inconsistent history
Severe inconsistency in payment history + contradictory status
Discover
FCRA DisputeDispute for possible re-aging
Major bank, strong impact, recent updates
Citi
FCRA DisputeDispute for possible re-aging
Recent updates post charge-off
AMEX / CBNA
Dispute + Pay DownDispute + urgent utilization reduction
86% utilization — drop to 30% ideally 10%
Capital One (2 accounts)
FCRA DisputeDispute for status inconsistency
'Open' + 'Terminated' simultaneously
Merrick Bank
FCRA DisputeDispute for possible re-aging
Recently updating post charge-off
The Good
The Bad
We receive your reports
We analyze 2 TransUnion reports side by side
Complete audit
We identify every account, balance, late payment, charge-off and inconsistency
Detect FCRA violations
We look for errors, inconsistencies and possible legal violations
Create prioritized plan
Ordered by score impact and probability of success
Send disputes
FCRA § 609 dispute letters to bureaus and creditors
Continuous follow-up
We monitor responses within 30 days and adjust strategy
This is exactly what you get when you request a free analysis with us. No commitment. No credit card required.
Complete analysis · No cost · In Spanish · 30-day guarantee
This is a real example based on an analysis we did for a client. Data has been anonymized to protect privacy, but the structure, level of detail, and FCRA violations found are exactly what you receive when requesting your analysis.
We typically deliver the complete analysis within 24-48 hours after receiving your credit reports. The analysis includes report comparison, FCRA violation detection, prioritized dispute plan, and personalized recommendations.
No. The initial analysis is completely free and without obligation. We want you to see exactly what we find in your report before deciding to work with us.
We cannot guarantee automatic deletion. What we do guarantee is that we will identify ALL possible inconsistencies and violations, and build the strongest possible dispute case. Our success rate is 94%.
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