Your case

How this workspace works

A private place to organize and dispute inaccurate marks on your credit reports — your timeline, evidence, dispute letters, and follow-ups in one spot. Everything saves on this device instantly, and syncs across your devices once you sign in (Settings).

This tool handles

Structuring your timeline and evidence
Auto-writing the four letters from your details
Tracking sends + follow-up dates
Verified links and mailing addresses

Only you can

Pull your actual credit reports
Enter real dates / account numbers
Attach your personal documents
Physically send the certified mail

Your details

Entered once, reused in every letter. Stored in this browser and in your own private database. Use last 4 of account numbers only — never paste full account or SSN numbers you don't want stored.

Full name

Mailing address (one line)

Email

Phone

Last 4 of SSN

Date of birth

Loan and servicer

Federal loan servicer name

Loan account — last 4

Collection agency name (if any)

Collection account — last 4

The core facts (used in the letter narrative)

Date you became unemployed

Date you first contacted the servicer

What the servicer told you

Specific late months reported (list)

Date account went to collections

Saved

Timeline

The backbone of every dispute. Add each event in date order — getting unemployed, every contact with the servicer, every promise made, and when the bad marks appeared.

Add or import events

Date

Event

Notes (rep name, call length, what was said)

Import life events from file e.g. your health / disability timeline + the documents that prove it.

Evidence log

You don't upload files here — you note what proof you have and where it lives, so you can attach copies (never originals) when you send each dispute.

Document

Type

Date on document

Where it's stored

From your credit report

Add or import accounts

Two ways in: import the accounts file the screening-report script produced, or add items one at a time by hand. Either way only has fields for the facts a dispute actually needs — there is deliberately no box for a full account number, full SSN, address, or date of birth.

Paste-safe by design. If you paste a chunk of your report, any long run of digits that looks like a full account number or SSN is stripped automatically and only the last 4 are kept. Nothing here leaves this device until you sign in (Settings).

Import accounts from file From the screening-report script. Drops straight in — fully reversible, and won't overwrite anything you typed by hand.

Or add one by hand:

Creditor / furnisher

Account type

Account — last 4 only

Status reported

Bureaus reporting it

EX EQ TU

Date opened

Date reported / updated

Date of first delinquency

Balance (optional)

Credit limit / high balance (optional)

This item looks inaccurate — I want to dispute it

What's wrong with it (the fact you'll dispute)

Walk away any time — each account saves on its own.

Disputes and follow-up tracker

Log every letter the moment you send it. Your follow-up date is set automatically (sent + 35 days). Bureaus generally must respond within 30 days (sometimes 45).

Sent to

Method

Date sent

Certified / tracking #

Letters

Auto-filled from your Profile. Pick one, review, then Copy or Print. Anything still in [brackets] needs your input. Send by certified mail with return receipt.

Where to dispute — verified links and addresses

Checked June 2026. Online is fastest; certified mail to the PO boxes gives the strongest paper trail.

Error checklist — mark up each credit report

Pull all three reports at annualcreditreport.com (free), not the Credit Karma summary. On each, check for these. Tick what applies — this is your dispute punch-list.

Sync and access

This tracker syncs across your devices through your own small private server. The database token lives on the server, never in this page. To read or write, sign in once with your shared passphrase — it is remembered in this browser only and sent with each request.

Passphrase

Your whole tracker is stored as one JSON row in appdata(id, json, updated_at) keyed main (last-write-wins). The server exposes only GET /api/state and PUT /api/state; your Turso token stays in a server secret.

Display

Make this workspace easier on your eyes and attention. Saved on this device only.

Theme

Text size

Motion

Backup (works with or without Turso)

Export a JSON file you can re-import anywhere. Good belt-and-suspenders backup.

Import JSON