Credit report check
Find the items worth disputing
Disputing works on specific errors, not on a request to “remove all negatives.” An AI credit report check reads Equifax, Experian, and TransUnion and lists the items that fail a factual test. Accurate late payments and collections can stay.
Interactive pre-scan checklist
Check the error patterns on your credit report
Audit grounds & dispute path for your selections
FCRA § 605(c) (15 U.S.C. § 1681c(c)) — Running of reporting period / re-aging
The 7-year + 180-day reporting clock must run from the original delinquency with the original creditor — never the date a debt buyer purchased or opened the collection.
Dispute the inaccurate DoFD with each bureau reporting the wrong date and attach the original creditor statement or older report showing the true delinquency date.
Check the 7-year reporting clock →FCRA § 611 (15 U.S.C. § 1681i) & Metro 2 transfer/sold balance reporting rules
Once an original creditor sells a charged-off account to a debt buyer, the original tradeline must show a $0 balance (transferred/sold). Two active balances double-count the same debt.
Dispute the duplicate balance with the bureaus and send a written FDCPA validation demand to the active collector.
See the debt validation letter template →Have 850ai scan your actual 3-bureau report or PDF automatically
Upload your credit report PDF or connect your monitoring account to see every flagged inaccuracy across Equifax, Experian, and TransUnion before you pick a plan. Paid plans start at $59.99/month (Send) with USPS First Class mailing included after you click Send.
Run it on your own report
Connect the monitoring service you already use, or upload a report PDF. See what it flags before you pick a plan. Letters and mailing start at Send, $59.99/mo, and nothing goes out until you click Send. You can also dispute each error yourself with the credit dispute letter.
If the item is a named collector, start with that company’s page on the credit repair hub. The order of steps for a collection is in how to remove a collection.
Questions
Can I paste my credit report into ChatGPT?
Do not paste a full report, a Social Security number, or full account numbers into a public chatbot. A connected check inside an account you control is a different thing from a chat box that may keep the text.
Will the check delete negative items?
No. It shows what looks inaccurate, duplicated, or unverifiable. You still dispute those items. Accurate negative information can stay.
Do I need an account?
Yes, to connect a monitoring service or upload a report PDF. There is no public free plan. You can see what it flags before you pick a plan, and nothing is mailed until you click Send.