Credit365 — Credit Repair Command Center

1 Choose your pull provider

SmartCredit

Tri-merge · FCRA compliant

IdentityIQ

3-bureau · repair-friendly

MyFreeScoreNow

Soft-pull monitoring

AnnualCreditReport

Free · soft inquiry

2 Build the authorization form

Client full legal name

Date of birth

Street address

City

State

ZIP code

Phone

3 Secure pull SOP

Get the signed form back from the client

In person, scanned, or secure e-signature — never plain email or text.

Log into your provider's secure portal

Enter the SSN directly there, straight from the signed paper form.

Pull the tri-merge report

The provider returns scores and account data from all three bureaus.

Store the signed form securely

Locked cabinet or encrypted folder — your CROA compliance record.

4 Enter the pulled scores

Equifax

Experian

TransUnion

Client & scores

Client name

Goal

Equifax

Experian

TransUnion

Negative items

Creditor

Type

Balance

Bureau(s)

No items yet.

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Analysis & action plan

Generate a dispute letter

Letter type

Client full name

Phone

Street address

City

State

ZIP code

Bureau / recipient

Creditor / collector

Account # (last 4)

Reason for dispute

Client roster

No clients yet.

Dispute tracker

No disputes tracked yet.

Ask a question — find the right law

Ask in plain English: "what is the 30 day rule," "can a debt collector call me at work," "how long do late payments stay on my report."

What does FCRA mean? The 30 day rule 7-year rule Debt collector rights Permissible purpose

Browse all laws

Sourced from Cornell Law School's Legal Information Institute (law.cornell.edu)

Credit education center

Tap any topic to expand. Use these to coach clients and explain the realistic path toward a strong score (typically 740–760+). No outcome is guaranteed — results depend on accurate disputes and consistent credit habits.

The realistic road to 750+

1. Remove inaccurate negatives through proper disputes (§ 611, § 623, Metro 2).

2. Get utilization under 10% on all revolving accounts.

3. Make 100% of payments on time — set autopay for at least the minimum.

4. Add positive tradelines (secured card, credit-builder loan, authorized user).

5. Keep old accounts open to lengthen credit age; avoid new hard inquiries.

6. Be patient — meaningful gains show over 3–12 months of consistency.

Credit365 · For credit repair professionals. AI-free, runs on your device.
Always review generated letters before sending. Not legal advice, and no specific score increase is promised or guaranteed — consult a licensed attorney for complex matters.