private browser prototype

Turn your report into a ranked action plan.

Paste a redacted report below. This prototype finds common negative-item patterns, sorts them by likely urgency and actionability, and builds the checklist the letter and deadline tools will use.

Redact before pasting: remove your Social Security number, full account numbers, date of birth, and current address. This version runs entirely in your browser and does not upload or save the report.
Nothing leaves this page.

Your action queue

Email me this plan. Get the checklist, letter walkthrough, and the 30-day deadline system. No spam, unsubscribe anytime.

DIY letter builder

Generate a factual starting draft for review. Replace brackets, attach proof, and verify the address before sending.

Deadline radar

Enter the source date. This is a tracker, not a legal deadline opinion.

Utilization optimizer

Add card balances and limits. The tool shows exact reported utilization and the payment needed to reach a selected target.

Add at least one card.

Debt payoff order: avalanche vs snowball

Add each debt with its balance, APR, and minimum payment, plus the extra you can pay each month. The tool simulates both strategies: avalanche (highest APR first) and snowball (smallest balance first). Estimates only - real interest depends on issuer math.

Add at least one debt.

Obligation ledger

List recurring obligations and due days to see what hits next. Nothing leaves your browser.

Add at least one obligation.

Educational DIY tool only. This is not legal or financial advice, does not dispute items for you, and cannot predict or guarantee a score change.