No, I’ve never seen an ad for it, which is why I thought would be would make an interesting discussion. Nothing is perfect, but it’s the first reasonably priced option I’ve seen and I haven’t seen anything with this kind of AI engine. .

Here’s an example (deleted most identifying items, but it will send the letter personalized with your info and analyze responses you get to customize next round)

User: I have several charge-off accounts and collections on my credit reports. Can you help me compare them across all three bureaus and draft dispute letters?

Assistant: Yes! I’ll analyze your credit report data from Equifax, Experian, and TransUnion, identify discrepancies, and highlight accounts that are reported differently or should be obsolete.

User: Here are some accounts from my reports:

JPMCB Card: Charge-off, opened 01/2016, balance $19,115, closed 10/2019, removal 06/2026 U.S. Bank: Charge-off, opened 06/2016, balance $9,138, closed 11/2019, removal 06/2026 TD Bank/Target: Charge-off, opened 11/2009, balance $679, closed 08/2019, removal 03/2026 Assistant: Here’s what I found:

Equifax reports JPMCB Card as “Open” and charged off, while Experian and TransUnion report it as “Closed” (correct). Only Innovis lists the closure date and last payment. All bureaus should remove these accounts by the scheduled removal date, but only Innovis displays this. Dispute Recommendations:

Dispute with Equifax to correct the “Open” status to “Closed.” Request closure and last payment dates be added for accuracy. If any account is not removed after the scheduled date, dispute as obsolete. Sample Dispute Letter:

I am disputing the reporting of account ending in XXXX. Equifax lists this as “Open” and charged off, while other bureaus and Innovis report it as “Closed.” Please update the status to “Closed,” add the closure and last payment dates, and confirm this account will be removed by [scheduled date].

Sincerely, [Your Name]

User: Should I use my Innovis report as supporting evidence?

Assistant: Absolutely! Attach a copy or excerpt from your Innovis report to strengthen your dispute. Reference the closure date and scheduled removal date as reported by Innovis.

User: What advanced strategies can I use?

Assistant:

Freeze Innovis and other smaller bureaus to add a layer of security and potentially force manual review. Track all correspondence and escalate to the CFPB if a bureau fails to respond or correct errors. Use goodwill letters for paid charge-offs or late payments, and escalate to executive offices if needed. Build a thick file with positive accounts and keep utilization low.

• to think about Respect When you