Credit file workspace
Turn your credit report into a clear, organized plan.
We organize the information in your report, help you identify possible inconsistencies, and keep your next steps in one place.
You decide what to dispute. We do not promise a score increase, a deletion, or an approval.
Start from the decision in front of you
Works with information contained in Equifax, Experian, and TransUnion reports.
Secure payments powered by Stripe.
Encryption in transit.
Privacy-first architecture.
Ritcore is not a partner of Equifax, not approved by Experian, and not TransUnion certified.
Why the details on a report matter
Information in a credit report can affect an approval, the rate you are offered, a credit limit, a deposit, a mortgage, or vehicle financing.
A difference in the interest rate can add up to thousands of dollars over the life of a loan.
- Approval decisions
- Credit limits
- Utility or rental deposits
- Mortgage terms
- Vehicle financing
How it works
- 01
Get and upload your reports.
Download your reports from the bureaus yourself, then upload the PDF or enter accounts by hand.
- 02
The platform organizes accounts and looks for possible inconsistencies.
Rules compare balances, dates, statuses, and personal information. A flag is a prompt, not a verdict.
- 03
Review each item and decide what you want to do.
Mark what you recognize, what you do not, and where you suspect an error.
- 04
Generate documents and manage your disputes.
Letters use only the facts you select. Nothing is sent for you automatically.
- 05
Record responses and keep the history.
Track dates, documents, and bureau replies in one workspace.
What you can organize
These categories can deserve a closer look. Seeing one here does not mean it is inaccurate.
- Collections
- Late payments
- Charge-offs
- Inquiries
- Possible duplicate accounts
- Inconsistent balances
- Dates that may conflict
- Inconsistent personal information
- Other items you want to review
You stay in control
- You can dispute inaccurate information on your own.
- You do not need to hire a company to contact the credit bureaus.
- Other people's past results do not guarantee your future results.
Consumer stories
[REAL TESTIMONIAL REQUIRED]
Questions worth asking first
Can I dispute information myself?
Yes. You can write to Equifax, Experian, and TransUnion directly. This workspace is optional organization, not a requirement.
Do you guarantee deletions or a new score?
No. We do not promise that an item will be removed, that a score will rise, or that a lender will approve you.
Will you dispute items automatically?
No. A draft is created only after you select the facts and confirm that they reflect your situation.
Do you need my bureau password?
No. Never share Equifax, Experian, or TransUnion credentials. We do not scrape bureau websites.
Start with the goal you actually have.
Tell us whether you are preparing for a home, a card, a vehicle, or a clearer reading of your file.
Review my situation