Your Credit Analysis is Complete

Here is what we found on your TransUnion credit report. Review your results below.

⚠️

We found 7 negative items on your report that may be inaccurate, outdated, or unverifiable. These items are potentially disputable under the Fair Credit Reporting Act (FCRA). Review them below.

📊 Your FICO® Score 8 — TransUnion
612
Fair
300PoorFairGoodVery Good850
FICO® Score 8 (300–850) based on TransUnion data
📋 Case Overview
0% COMPLETE
Progress so far
Analysis complete.
Ready to begin disputes.
0
Removed
7
Remaining
7
Total Found
Your Negative Item Summary 7 Items

We've detected the following negative items on your TransUnion credit report that need your attention. These are the items we will dispute on your behalf.

# Type Creditor / Furnisher Amount Date Reported Status
1 Collection Portfolio Recovery $1,240 2021-03 Disputable
2 Late Payment Capital One $0 2022-07 Disputable
3 Collection Midland Credit $890 2020-11 Disputable
4 Charge-Off Synchrony Bank $2,100 2021-08 Disputable
5 Late Payment Chase $0 2023-01 Disputable
6 Collection LVNV Funding $450 2022-04 Disputable
7 Hard Inquiry Auto Dealer N/A 2023-06 Disputable

Ready to Start Fixing Your Credit?

Based on the 7 disputable items we found, here is your personalized program quote.

$3500.00
One-time deposit to begin your program — based on 7 accounts found
✅ Start My Program 📞 Talk to an Expert
No charge until you approve CROA Compliant Cancel anytime 256-bit SSL encrypted
What Happens Next
1

Review & Approve

Review your results and approve your program to get started.

2

Deposit Processed

Your deposit is collected only after you choose to proceed — never before.

3

Letters Drafted

Our team personally reviews your report and prepares customized dispute letters for each negative item found.

4

Mailed to Bureaus

Our team sends your dispute letters via certified mail to all three credit bureaus on your behalf.

5

Track Progress

Log into your client portal anytime to see what's been removed and what's pending.

FICO® Score 8 model is the most widely used scoring model by lenders. Score provided by TransUnion. Results are not guaranteed. Individual outcomes vary based on the nature of items on your report and the response of the credit bureaus. My Credits Repair LLC is not a law firm and does not provide legal advice. You have the right to dispute inaccurate information on your own at no cost through AnnualCreditReport.com. © 2026 My Credits Repair LLC. All rights reserved.