Product Overview
Credit repair dispute software, from the Current 3B to the next Round.
CreditImpact connects to SmartCredit, pulls the client's Current 3B, analyzes every account across the three bureaus and builds the dispute strategy. Your agency then decides which accounts move forward this Round and which route each one takes. CreditImpact drafts the letters and builds the bureau packages, you mail them through CreditImpact or on your own, and the next Round starts from a fresh Current 3B.
Every Round runs the same way: the Current 3B, the findings, the strategy, your agency's decisions, the letters and the bureau packages. See how pricing works.
one client · every Round starts from a fresh Current 3B
Case Simulator
Watch one case move through the full workflow.
Click through each stage of a sample case to see what happens between the SmartCredit connection and the next Round, and whether CreditImpact or your agency does it.
Connect
Connect the client through SmartCredit
Add the client and connect them through SmartCredit so CreditImpact can work from what all three bureaus are currently reporting.
Next: Pull the Current 3B.
SmartCredit Connection
Client connected. CreditImpact can now request their report
Sample case
Current 3B
Pull a fresh report from all three bureaus
CreditImpact brings the client's current TransUnion, Equifax and Experian reporting into the Round. Each Round starts from a fresh Current 3B.
Next: Analyze the accounts and build the strategy.
Current 3B
TransUnion · Equifax · Experian, pulled fresh for this Round
Sample case
Analyze
Analyze every account and build the strategy
CreditImpact's credit report analysis works through each account across the three bureaus and structures the reporting issues it finds, including missing information, inconsistent values, internal contradictions, chronology problems and duplicate reporting. It then builds the dispute strategy: which findings carry each account's dispute and which routes that account supports. Not every finding becomes a dispute. Analysis costs 0 Credits.
Next: Decide which accounts move forward and pick a route for each.
Findings & Strategy
Findings structured per account, with the routes each account supports
Sample case
Choose
Choose the accounts and routes
With the strategy built, your agency decides which accounts move forward into this Round's dispute and which route each selected account takes: Finding Dispute, Authorized User or Duplicate Account. Each account shows the routes it supports. CreditImpact does not make that selection for you.
Next: See the Credit total and generate.
Agency Selection
Accounts and routes chosen by the agency for this Round
Sample case
Generate
Draft the letters and build the bureau packages
CreditImpact drafts a dispute letter for each bureau from the strategy and the routes your agency selected, then builds that bureau's package: the letter, one report evidence document covering the disputed accounts, the client's ID, proof of address and Social Security card, and any supporting documents your agency adds.
Next: Review the packages and choose how to mail.
Bureau Package
Bureau letter · report evidence · client ID documents · supporting documents
Sample case
Continue
Mail the packages and start the next Round
Review the completed packages, then mail them through CreditImpact by First Class Mail, Certified Mail, or Certified Mail + Electronic Return Receipt, or download them and handle mailing yourself. The next Round starts from a fresh Current 3B.
Next: Start the next Round from a fresh Current 3B.
Mailing & Next Round
Packages mailed; the next Round starts from a fresh Current 3B
Sample case
Platform capabilities
Connection
Current 3B Connection
Connect the client through SmartCredit and bring what TransUnion, Equifax and Experian are reporting now into the case, fresh for each Round.
Analysis
Account-Level Analysis & Strategy
CreditImpact reads each tradeline as all three bureaus report it, then builds the dispute strategy from the findings that matter. Not every difference between bureaus becomes a dispute.
Findings
Findings & Dispute Routes
Each account shows what was found and the routes it supports: Finding Dispute, Authorized User or Duplicate Account. Your agency picks the accounts that move forward and the route for each.
Dispute Work
Letters Built From The Strategy
CreditImpact drafts each bureau's dispute letter from the strategy and the route chosen for every account in it, instead of starting from a generic letter template.
Evidence
Evidence & Bureau Packages
Each bureau gets its own package: the letter, report evidence for the disputed accounts, the client's ID, proof of address and Social Security card, and any supporting documents you add.
Mailing
Mailing & the Next Round
Mail the packages through CreditImpact or download them and mail them yourself. The next Round starts from a fresh Current 3B and runs the same workflow again.
Two-sided operations
CreditImpact builds the strategy. Your agency chooses the path.
The strategy comes first. Choosing the path means your agency decides which accounts move forward this Round and which route each selected account takes.
Agency view
What Your Agency Controls
Sample case
Once the strategy is built, your team makes the account and route decisions and signs off on the work before it is mailed.
CreditImpact view
What CreditImpact Handles
Same sample case · same Round
Before your agency decides, CreditImpact analyzes the Current 3B, produces the findings for each account, builds the strategy and surfaces the routes each account supports. After your decisions, it drafts the letters and builds the bureau packages for each bureau.
Current 3B
Analyzed
Strategy
Built
Routes
Surfaced
Letters & packages
Built
The difference
A CRM tracks the client. CreditImpact works the dispute case.
Credit repair businesses can keep their CRM for contacts, tasks and billing. CreditImpact handles the dispute work: it analyzes the Current 3B, builds the strategy, drafts the letters and bureau packages from your agency's decisions, and starts each Round from a fresh Current 3B.
Old way
CRM + letter tools
CreditImpact way
CreditImpact
Get started
Start with the report. Not the letter.
Connect the client and let CreditImpact analyze the Current 3B and build the strategy. Choose the accounts and routes, and CreditImpact drafts the letters and bureau packages from your decisions.