Demonstration site. Uptick Credit is a fictional business built to show a design system. The address is invented, no registration or bond number is published, and the staff and sample files are not real. Nothing here is legal or financial advice.
You can dispute credit report items yourself, for free. Start with your free reports at annualcreditreport.com — then read our do-it-yourself guide, which costs nothing and asks for nothing.
What we do
Four services. The limits of each are printed beside it.
Two of these move what is on the file. Two move what you do next. None of them can remove accurate information, and every page below says so before it says anything else.
We read all three reports line by line, identify entries that are inaccurate, incomplete or unverifiable, and dispute them under §611 of the Fair Credit Reporting Act — with a method-of-verification request when a bureau comes back “verified” without saying how.
A line-by-line read of the Experian, Equifax and TransUnion files, not a template letter blast
Disputes filed under FCRA §611 with the bureau and, where it is the better route, directly with the furnisher under §623
Method-of-verification requests when a bureau returns “verified” with no description of the procedure used
We will not dispute an item we believe is accurate. Filing a knowingly frivolous dispute wastes the window and can get the whole batch dismissed.
Disputes only address what is wrong on the file. Sixty-five percent of the score is driven by payment history and amounts owed — things no dispute can touch. Coaching is the part of the work that moves those.
A statement-date map for every revolving account, so the balance that gets reported is the one you intend
A payment sequence that protects the largest factor first — current accounts stay current before anything else is attempted
Guidance on which old accounts to keep open and why closing one raises utilisation the same day
Coaching is education, not financial advice, and we are not a law firm or a licensed financial adviser.
Your three files are not the same file. Furnishers choose which bureaus they report to, so an account can be perfect on one report and missing from another. We track all three side by side and show you the divergence.
Monthly snapshots of all three files with every change flagged and dated
A divergence view: which accounts report to which bureaus, and which do not
Alerts on new inquiries, new collections and changes to reported balances or limits
We read your reports; we do not write to them. Only a furnisher or a bureau can change what is reported.
When a third-party collector is reporting, the Fair Debt Collection Practices Act gives you a right they must answer: prove the debt, prove the amount, and prove you are the one entitled to collect it.
A written validation request under FDCPA §809(b), sent within the window where it carries the most weight
Collection activity must pause until the collector validates — we track whether it actually does
A check on whether the collector is licensed to collect in Florida
Validation does not make a valid debt go away. If the collector validates it and it is accurate, it stays.
No money is charged or received before the promised services have been fully performed. There is no setup fee, no retainer, no deposit and no “file audit” charge at Uptick Credit.
You are billed for a cycle of work after that cycle is complete, and you may stop at any time without owing anything for work not yet performed. A company that asks you for money before it has done anything is breaking federal law, and that is reason enough to walk away from it.
You may cancel your contract with Uptick Credit, without penalty or obligation, at any time before midnight of the third business day after the date on which you signed it.
Your written contract carries a separate Notice of Cancellation form, in duplicate, printed in the same type size as the contract itself. You do not have to give a reason. You do not have to use our form — any written notice delivered to us by the deadline is sufficient. Nothing is charged.
Two paths. One of them costs nothing and always will. We would rather you took that one and did not need us.
Free · no account, no email
Do it yourself
The whole process written out: how to pull all three reports at no cost, what a dispute letter needs to contain, the statutory windows, and what to do when a bureau says “verified”.
A line-by-line read of all three files and a written plan, at no charge and with no obligation. If there is nothing worth disputing we will tell you that, and the review still costs nothing.
Both themes are designed, not inverted, and both are measured on composited pixels. The five score bands change lightness between them so they stay visible on the ground they are drawn on — the hue, the order and the ranges never move.
Six schemes, each measured against both themes before it is offered here rather than corrected after you pick it. The score bands, the statutory blocks and two of the three bureau colours are frozen and do not move under any of them.
These are real controls, not a badge. This site has not been through a formal WCAG audit and does not claim conformance anywhere.
This site sets no cookies at all. There is no analytics, no tag manager, no pixel, no advertising network and no session recording. Two keys may be written to your own browser’s localStorage — but only after you allow it, and only to remember what you chose here:
uptick.display.v1
Theme, motion, contrast, text size and link marking.
uptick.customizer.v1
The colour scheme, and anything set from a shared demo link.
Both are functional. Neither leaves your device and neither is readable by us. Nothing is written until you allow it — before that, and after declining, your choices are held in memory and last until you close the tab. Declining also deletes both keys immediately.
