Welcome back, Sharynne.
Here is where your case stands today, May 1, 2026. All updates are live.
Case Progress
65%
Stage 3 of 7 active
Documents Filed
5
2 pending
Items Disputed
4
Across 2 bureaus
Days Remaining
12
Bureau window closes May 13
Case Timeline / Credit Dispute
✓
Consultation
✓
Report Review
3
Bureau Dispute
4
Furnisher Contact
5
Investigation Review
6
Result Analysis
7
Case Close
Stage 3 Active: Bureau Dispute Filed
Formal dispute letters submitted to Experian and Equifax under FCRA Section 611. Bureaus are required to investigate within 30 days and forward your dispute to the original furnisher. We are on Day 18 of the 30-day window.
Account Profile
Edit
Sharynne Macon
(916) 555-0182
s.macon@email.com
Sacramento, CA 95814
••/••/19••
Text message
Credit Score Tracker
Full report
Experian
648
Under dispute
Equifax
661
Under dispute
TransUnion
674
+8 this month
Disputed Items
Experian / Late Payment x2
30-day notation / 2021-2022
Investigating
Equifax / Balance Inaccuracy
Account #4030***** / TCU
Investigating
Experian / Old Collection
Unverifiable / Pre-2020
Queued
My Documents
Download all
Filed by Civitas
Intake form
Authorization release
Experian dispute letter
Equifax dispute letter
FCRA 611 notice
Furnisher demand letter
Secondary dispute
Case summary
Your Uploaded Documents
Credit_Report_April2026.pdf
2.4 MB
TCU_Statement_Mar2026.pdf
890 KB
Upload your documents
Credit reports, creditor letters, notices, court documents, anything relevant
Credit reports, creditor letters, notices, court documents, anything relevant
PDF, DOC, JPG, PNG / Max 10MB per file
Legal Resources and References
Tap any resource to open it
Federal / FCRA
FCRA dispute rights / CFPB guide
Federal / FDCPA
Debt collection rights / CFPB guide
Free Tool
Get your free credit reports (AnnualCreditReport.com)
Federal
File a complaint with the CFPB
California
CA DFPI consumer protections
California
Small claims court guide
IRS
Report negligent tax preparer / Form 14157
FTC
FTC consumer credit resources
CA Civil Code
Landlord-tenant law / Section 1940
FDCPA
Full FDCPA statute text
Secure Messages
Live
Sharynne, your Experian and Equifax dispute letters have both been sent. The 30-day window opened April 11. I will update your dashboard the moment responses come in. No action needed from you right now.
Thank you, I appreciate the update. Do I need to do anything with Equifax separately?
Already handled. Both bureaus were filed the same day. You will see both reflected on your timeline.
Appointments
Schedule new
May
6
Case status check-in
10:00 AM / Phone call / Brian Harper
May
13
Bureau response review
2:00 PM / Phone call / 30-day window closes
Billing and Membership
Update payment method
Current Billing
Current planAdvocate $99/mo
Next billing dateMay 12, 2026
Last payment$99.00 paid Apr 12
Balance due$0.00
Payment methodVisa ending 4821
Member sinceMarch 12, 2026
Change Plan
Essential
$39/mo
- 1 active case
- 3 documents/mo
- Portal access
- QR code
- Credit tracker
- Priority support
Advocate
$99/mo
- 3 active cases
- Unlimited docs
- Credit tracker
- Priority support
- Bureau monitoring
- Document vault
Command
$149/mo
- Unlimited cases
- Direct phone line
- Tax doc support
- Family accounts
- All Advocate features
- Earliest responses