How it works
How a credit repair dispute Round runs, step by step.
CreditImpact is dispute software for credit repair agencies. This page follows one Round. CreditImpact pulls the client's Current 3B through SmartCredit, analyzes every account and builds the dispute strategy. Your agency decides which accounts move forward and which route each one takes. CreditImpact drafts the letters and builds a package for each bureau, the packages are mailed, and your agency starts the next Round from a fresh report.
§ Step-by-step lifecycle
One client. Seven steps. From connection to the next Round.
Each step says who acts and what it produces. CreditImpact analyzes the report, builds the strategy and prepares the letters and bureau packages. Your agency decides which accounts move forward and which route each one takes, and every Round starts from a fresh Current 3B. Running this across a team is covered in software for credit repair businesses.
Connect the client
Client connectedAdd the client and connect them through SmartCredit. That connection gives CreditImpact access to what all three bureaus are currently reporting for the client, and it opens the case.
Pull the Current 3B
CreditImpact pulls the client's current TransUnion, Equifax and Experian reporting into the Round. Each Round starts with a fresh Current 3B so the case is built from what is being reported now.
Analyze the report account by account
CreditImpact works through the Current 3B account by account and across all three bureaus, looking for reporting issues such as missing information, unusable values, differences between bureaus, internal contradictions, chronological problems and duplicate reporting. What comes out is not a letter but a structured set of findings: what was found, on which account and bureau, and why it matters. See how CreditImpact analyzes a credit report for your agency. Report analysis costs 0 Credits.
Build the dispute strategy
CreditImpact does not turn every finding into a dispute. The strategy layer connects the analysis back to what matters on the account. It determines what the dispute should focus on, which findings are central to the argument, which findings are supporting, and how the dispute reasoning should be structured. This is the difference between simply finding reporting issues and turning those findings into a coherent dispute strategy. CreditImpact builds this strategy. The agency does not have to build it manually.
Choose the account and dispute route
With the strategy built, your agency decides which accounts move forward this Round and which route each selected account takes: Finding Dispute, Authorized User or Duplicate Account. Each account shows its findings and the routes it supports; CreditImpact does not make the selection for you. The exact Credit total is shown before generation is confirmed.
Draft the letters, build the packages and mail
A generic dispute letter starts from a template. CreditImpact starts from the finding on the account, the strategy it built and the route your agency selected, and drafts the letter for each bureau from those. It then builds that bureau's package: the bureau-specific dispute letter, one Current 3B report evidence document covering that bureau's disputed accounts, the client's photo ID and proof of address, the Social Security card when one is on file, the client's authorization when your agency uses one, and any supporting documents your agency adds. Your agency reviews and approves the packages before anything goes out. They can be mailed through CreditImpact by First Class Mail, Certified Mail, or Certified Mail + Electronic Return Receipt, or downloaded so your team mails them itself. CreditImpact does not electronically file disputes with the bureaus.
Start the next Round from a fresh Current 3B
A Round is one pass through these steps for a client: a fresh Current 3B, the analysis and strategy built from it, the accounts and routes your agency chose, and the packages that went out. When your agency starts the next Round, a fresh Current 3B is pulled through SmartCredit, CreditImpact analyzes it and builds the strategy, and your agency again decides which accounts move forward and which route each one takes.
§ Clear handoffs
CreditImpact builds the strategy. Your agency chooses the path.
Choosing the path means deciding which accounts move forward this Round and which route each selected account takes.
Choose, review, approve
Your agency decides which accounts move forward, chooses a route for each selected account, reviews and approves the packages, and chooses how they are mailed. Client relationships and agency compliance stay with your team.
Analyze, strategize, build
CreditImpact analyzes the Current 3B, surfaces the findings, builds the strategy and shows the routes each account supports. After your agency's decisions, it drafts the letters and builds the bureau packages.
Start from the current report
Each Round runs from a fresh Current 3B pulled through SmartCredit, so the analysis and the strategy are built from what the bureaus are reporting now.
Want the product view rather than the process? See the credit repair dispute software →
Frequently asked questions
Common questions about how CreditImpact fits into the dispute workflow.
Every Round starts from the current report.
Start with the Current 3B. CreditImpact analyzes the accounts and builds the strategy, your agency picks the accounts and routes, and the letters and bureau packages are built from there. The next Round starts the same way, from a fresh Current 3B. If a bureau has already responded, our guide covers what your team can check in a bureau response.