For Agencies
Credit repair software built for the dispute work.
Your CRM keeps track of leads, clients and payments. CreditImpact works the case. It reads the client's Current 3B account by account, builds the dispute strategy, and prepares the packages for the accounts and routes your team chooses. Once the Round is mailed, the case stays together for the next one.
Nothing gets disputed unless someone on your team selects it. And the report reading and case prep that used to wait on your most experienced analyst no longer has to be redone by hand on every file.
Your agency decides what moves forward
§ Where agencies get stuck
The bottleneck usually isn't the letter. It's whoever has to read the report.
Agencies rarely run out of letter templates. What runs short is the time of the person who can open a three-bureau report, work through it tradeline by tradeline, and decide what's worth disputing this Round and what isn't. Add clients, and that person's queue grows with them.
Every report is a full read
Before anyone can decide what to dispute, someone has to go through every account on all three bureaus and note what doesn't line up.
Strategy lives with your best people
Which findings carry a dispute and which only back it up is a judgment call. Usually it's made by whoever has done this the longest.
Handoffs lose the reasoning
When a file moves to another analyst, the conclusions go with it. The reasons behind them often don't.
Two analysts can work the same report and dispute different accounts. Neither is necessarily wrong. The process just isn't written down anywhere.
Starting from a template means the letter is chosen before the report is understood. The account gets fitted to the letter instead of the other way around.
Managers end up re-checking how a decision was made, because the only record of the reasoning is the person who made it.
Round 2 often starts with someone reading the whole report again by hand before anyone can decide what to dispute next.
More clients usually means more analyst hours, because every new file needs the same read from scratch.
Your strongest analyst becomes the queue. Files wait for them, and when they're out, the work waits too.
What changes
What changes when the report is already worked.
CreditImpact does the account-by-account read and builds the strategy, so your analyst starts from findings instead of a raw report. Your people still decide which accounts move forward. They just aren't starting from a blank screen.
Faster to the decision
The report has been worked and the findings are laid out by account and bureau. Your analyst's first job is reviewing and choosing, not reading and taking notes.
Same file, same reasoning
Cases won't all look alike, and they shouldn't. But the findings and the strategy for each Round are laid out in CreditImpact, so whoever works the file can see what was found and why.
Senior time goes to judgment
Experienced analysts are hard to replace. Their hours should go to the decisions that need them, not to reading every report from scratch or retyping the same notes.
You still need good people. They just stop being the only place the process lives.
CRM fit
Keep your CRM. CreditImpact handles a different layer.
Your CRM is where leads come in, clients sign up, payments get collected and follow-ups go out. CreditImpact doesn't try to do any of that.
It covers the dispute case: the client's Current 3B, the findings on each account, the strategy, the accounts and routes your team selected, the packages and the mailing, with every Round starting from a fresh Current 3B.
The client relationship stays in your CRM. The dispute work moves into CreditImpact.
From report to package
What happens after the report comes in.
The letter is the last thing CreditImpact produces, not the first.
First, read what's actually being reported
CreditImpact goes through the Current 3B account by account, across Equifax, Experian and TransUnion. It flags things like missing information, values the bureaus don't agree on, dates that don't make sense, and the same account reported twice. What comes out is a set of findings tied to specific accounts, not a draft letter.
How CreditImpact analyzes a credit reportThen, decide what the dispute is about
Not every finding should become a dispute. CreditImpact builds the strategy: which findings carry the argument for an account, which only support it, and which aren't worth raising this Round. It also shows which routes are available for each account: Finding Dispute, Authorized User or Duplicate Account.
See where the strategy fits in the workflowLast, build the dispute your team chose
Your team picks the accounts and the route for each one. CreditImpact drafts a letter for each bureau and assembles the package: the letter, one evidence document covering that bureau's accounts, and the client's ID, proof of address and Social Security card. You can add your own supporting documents before anything goes out.
See how the platform builds each packageIf a bureau writes back, our guide covers what your team should check before the next Round.
§ Agency workflow
CreditImpact builds the strategy. Your team decides what moves forward.
Four steps, done the same way on every file. See the full workflow →
Pull in the Current 3B
The client connects through SmartCredit, and their three-bureau report lands in the case. Nobody retypes tradelines.
Current 3B receivedCreditImpact reads it and builds the strategy
Every account is worked across all three bureaus. Your analyst starts from findings and a strategy, not a raw report.
Strategy readyYour team picks accounts and routes
Go through the findings, then choose which accounts move forward this Round and which route each one takes. Anything you don't select stays out.
Agency approvedPackages, mailing, next Round
Review the packages, then mail them through CreditImpact or download them and mail them yourself. The next Round starts from a fresh Current 3B.
Ready for reviewPull in the Current 3B
The client connects through SmartCredit, and their three-bureau report lands in the case. Nobody retypes tradelines.
Current 3B receivedCreditImpact reads it and builds the strategy
Every account is worked across all three bureaus. Your analyst starts from findings and a strategy, not a raw report.
Strategy readyYour team picks accounts and routes
Go through the findings, then choose which accounts move forward this Round and which route each one takes. Anything you don't select stays out.
Agency approvedPackages, mailing, next Round
Review the packages, then mail them through CreditImpact or download them and mail them yourself. The next Round starts from a fresh Current 3B.
Ready for review§ What each side handles
Who does what on every case.
CreditImpact does the reading, the strategy and the paperwork. Your agency decides what gets disputed and signs off before anything is mailed.
What CreditImpact handles
What the agency controls
Frequently asked questions
Common questions about how CreditImpact fits into an agency that is already running.
Start with one client and see the whole Round.
Keep your CRM and your client relationships. Connect a client through SmartCredit, look at the findings, and decide which accounts to dispute. You'll see what the work looks like before you commit to anything.