I. Import
Tri-merge parse
| Creditor | EQ | EX | TU |
|---|---|---|---|
| Capital One | $1,284 | $1,402 | $1,284 |
| Discover | $0 | $0 | $0 |
| Midland Funding | $412 | $412 | — |
| JPMC Auto | Closed | Closed | Open |
2 cross-bureau inconsistencies flagged · column parser confidence: high
DisputeIQ is the executive-grade credit action platform. Turn a real 3-bureau report into a disciplined workflow of disputes, certified mailings, fraud blocks, and CFPB escalations — with audit-grade trust in every step.
You may dispute inaccuracies on your credit report yourself, for free, directly with the credit bureaus. This platform is a software and workflow tool that helps you organize, prepare, and track your own actions. We do not guarantee removals or score changes.
DisputeIQ · Command Center
Identified
11
3 high
Challenged
4
in flight
Escalations
1
605B
Capital One tradeline shows a $118 balance mismatch between Equifax and Experian. Strongest next action: factual dispute.
Activity timeline
Built to the standard of
Start here
You can't challenge what you can't see. Every DisputeIQ workflow begins with a live 3-bureau report pulled through our supported provider, MyScoreIQ.
Step 01 · Report intake
MyScoreIQ delivers live Experian, Equifax, and TransUnion data so DisputeIQ can run its cross-bureau analysis the moment your file lands.
MyScoreIQ is the supported report provider for DisputeIQ. DisputeIQ is a workflow tool — we do not sell credit monitoring.
The three-step intake
Get your report
Activate MyScoreIQ and pull your live 3-bureau file.
Return to DisputeIQ
Come back to disputeiq.org to open your command center.
Connect & analyze
Connect your MyScoreIQ report. AI cross-bureau analysis surfaces actionable findings.
The DisputeIQ method
DisputeIQ is not a report viewer. It's a credit action platform — designed to turn your file into disciplined, documented, verifiable steps.
01 · Identify
Cross-bureau diffs flag balance, status, date, and ownership inconsistencies — ranked by severity and explained in plain English.
02 · Challenge
Server-side document generation drafts factual disputes from the real report — no fabricated claims, no boilerplate.
03 · Track
USPS certified mail with electronic return receipts. Delivery scans and bureau responses sync into your timeline.
04 · Escalate
Section 605B fraud blocks and CFPB complaint drafts are built-in for cases that demand escalation, not another soft letter.
Security & trust
DisputeIQ is engineered like a financial institution handles its own operations: encrypted at rest, isolated by tenant, logged immutably, never sold or shared with third parties.
AES-256
Encryption at rest
TLS 1.3
Transport security
SOC 2
Controls aligned
Zero
Data brokers
The workflow
No black box. No surprises. You confirm every step that leaves the platform.
Drop your tri-merge PDF. Encrypted on upload and stored in an isolated vault keyed to you alone.
Cross-bureau diffing surfaces balance, status, date, and ownership inconsistencies — ranked by severity.
Factual dispute documents are drafted server-side and held until your review. Nothing auto-sends.
Print and mail yourself, or dispatch through our USPS certified mail integration with return receipts.
605B fraud blocks and CFPB drafts are ready the moment a standard dispute isn't enough.
DisputeIQ AI
Ask anything about your file. Understand the findings. Draft letters from real report facts. Escalate with confidence.
DisputeIQ AI
Online · reading your file
Reads your report
Pulls real facts from your tri-merge so every recommendation is grounded in the file.
Drafts letters from facts
Factual dispute language built from the actual tradelines — no boilerplate, no invented claims.
Recommends the next action
Standard dispute, 605B fraud block, or CFPB escalation — ranked by impact and evidence.
Identifies missing documents
Knows what evidence each escalation type requires before you send.
Summarizes tracking events
Plain-English status updates on certified mail, bureau responses, and deadlines.
Inside the product
Every dispute is tracked across five connected surfaces — from the parsed tri-merge to the escalation panel. This is what you actually see.
I. Import
| Creditor | EQ | EX | TU |
|---|---|---|---|
| Capital One | $1,284 | $1,402 | $1,284 |
| Discover | $0 | $0 | $0 |
| Midland Funding | $412 | $412 | — |
| JPMC Auto | Closed | Closed | Open |
2 cross-bureau inconsistencies flagged · column parser confidence: high
VI. Vault
Capital One
Equifax response · PDF filed
Midland
Experian response · PDF filed
Discover
TransUnion response · PDF filed
Every response parsed · linked to its dispute · one click to escalate
VI. Response parser
Verdict
Next: re-dispute (MOV)Stall tactic
Bureau requested additional ID documentation beyond what §1681i requires. This is a recognized stall pattern.
AI reasoning: Response cites 'frivolous' but provides no substantive basis.
V. Tracking
USPS 9214-8901-2347-3318 · auto follow-up on Apr 30
VII. Escalation
Re-dispute
FCRA §611 round 2
MOV demand
Method of Verification
CFPB complaint
Consent order record
§623(b) furnisher
Direct to creditor
About our ecosystem
Screwed Up Credit is the parent ecosystem for our credit operations tooling. DisputeIQ is the executive-grade action platform. MyScoreIQ is the supported provider we use for live 3-bureau report intake.
When you start through MyScoreIQ from our homepage, you're starting the Screwed Up Credit customer journey that ends in your DisputeIQ command center.
DisputeIQ
Credit action platform
Identify, challenge, track, escalate — your primary workspace.
MyScoreIQ
Supported report provider
Live 3-bureau report pulls used across the Screwed Up Credit journey.
Screwed Up Credit
Parent ecosystem
The umbrella brand that ties the customer journey together.
Voices
Early members describing the shift from confusion to control.
I finally understand my own credit file. The cross-bureau view surfaced three errors I'd been staring at for a year.
Marcus R.
Small business owner
The certified mail tracking alone is worth it. I stopped worrying about whether letters arrived.
Danielle P.
Mortgage applicant
Every other tool felt like a black box. DisputeIQ shows its work — that's why I trust it.
Omar K.
CPA, independent
Quotes from DisputeIQ users. We do not advertise specific score increases — credit results vary by case and the FTC discourages "before/after score" claims for credit services.
"I'd been arguing with one of the bureaus for nine months on my own. DisputeIQ drafted the letter, sent it certified, and I had a deletion notice in 26 days."
"What sold me was that it pulled my actual report and told me what was wrong before I paid anything. No guesswork, no salesperson."
"I send maybe one letter a month. The audit log alone is worth it — I have proof of every step in case I ever need to escalate."
We'll email you the next steps for your situation. No spam — ever.
Simple pricing
Connect your required credit monitoring, choose your monthly plan, and send dispute packets with AI-powered guidance and built-in mailing.
$69/mo
Starter
1 packet/mo · AI drafting · certified mail
$99/mo
Pro
3 packets/mo · AI drafting · certified mail
$129/mo
Elite
5 packets/mo · AI drafting · certified mail
Extra packets $19.95 each · MyScoreIQ billed separately · Not charged per item
See plans and packet limits →A Screwed Up Credit company
Start by pulling your live 3-bureau report. Return to DisputeIQ to turn it into action.
Compliance at a glance
FCRA 15 U.S.C. §1681 · CFPB-informed · Per-tenant isolated data
You direct every action. DisputeIQ prepares packets, sends them on your written authorization, and tracks the response — you remain in control.
DisputeIQ is not a credit repair organization, law firm, or credit bureau. We do not negotiate with creditors or furnishers on your behalf.
Results depend on the accuracy of your reports and the response of each bureau or furnisher. Anyone promising a specific score lift is not telling you the truth.
You have the right to dispute inaccuracies yourself, for free, directly with the credit bureaus. DisputeIQ is a tool that helps you exercise that right with more structure, better documentation, and a clearer audit trail.