Your FICO 8 (estimated)
712
+132 in 87 days
300580670740850
4Items removed
2In dispute
1Pending mail
Active disputes
Equifax · Capital One Bank · Late payment 2023-04
$184 reported · Account #...4271
Day 18 of 30
Experian · Midland Credit Mgmt · Collection
$1,284 reported · Disputed under FCRA §611
REMOVED · Day 28
TransUnion · Old address (2018-2020)
Outdated personal information
Drafted · awaiting mail
Equifax · Comenity Bank · Hard inquiry 2024-11
Unauthorized inquiry — disputed under FCRA §1681b
Day 7 of 30
Experian · Comcast · Collection $216
Removed via §609 documentation request
REMOVED · Day 41
Active dispute timeline (next 30 days)
Equifax · Capital One · Day 18 of FCRA-mandated 30-day investigation
Bureau response deadline: May 4, 2026
Recent letters generated
| Date | Bureau | Item | Statute | Tracking |
|---|---|---|---|---|
| Apr 15 | Equifax | Capital One late | FCRA §611 | 9405 5036 ... |
| Apr 12 | TransUnion | Old address | FCRA §605 | — |
| Apr 4 | Equifax | Comenity inquiry | FCRA §1681b | 9405 5036 ... |
| Mar 21 | Experian | Midland Collection | FCRA §611 + FDCPA §1692g | 9405 5036 ... |
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