Credit report
SmartCredit
- Report date
- Aug 18, 2026
- Last import
- Aug 20, 2026 · 9:14 AM
- Bureaus
- EX / EQ / TU
Negative accounts
11
negative accounts detected
- Collections5
- Charge-offs3
- Repossession1
- Late payment accounts2
AI findings
17
potential dispute opportunities
- High confidence8
- Medium confidence6
- Needs information3
Dispute status
Draft4Ready3Sent6Investigating3Updated2Deleted4Verified1Needs Follow-Up2
Results
4 items deleted
Removed from your latest report.
- Accounts updated2
- Still under investigation3
Credit improvement
Revolving utilization78%
- Open revolving accounts2
- Installment accounts1
- Average credit age6.2 yrs
- Inquiries (12 mo)5
AI credit audit
Completed Aug 21, 20263
Critical issues
7
Potential reporting issues
5
Collections
3
Charge-offs
2
Possible duplicate accounts
4
Personal information issues
2
Accurate negative items
3
Positive credit opportunities
Recent activity
- 2h ago
Account deleted
Midland Credit Management removed from Experian.
- Yesterday
Follow-up strategy available
Capital One round 2 strategy is ready to review.
- 2 days ago
More information required
3 interview questions open on Portfolio Recovery.
- 3 days ago
AI analysis completed
17 potential dispute opportunities identified.
Figures reflect the information currently available in your imported reports. Additional documentation may be needed. Results cannot be guaranteed.