Credit Support

What is Credit?Credit Dispute Tracker is a self-help organizer for your own US credit report: the items on your report with the date each can be reported until, dispute letters you print and mail (or submit) yourself, the dates the law sets for the answer, your scores by scoring model, a 12-step plan and a Guide. It does not contact credit bureaus, creditors or collectors for you and does not pull your report or score. What it says about the law is general information, not legal advice.

Does it work outside the US?No. Credit follows the US credit system: the three nationwide US bureaus and US law (FCRA, FDCPA). It does not cover any other country's credit bureaus or law. The app is in English and Spanish.

Why are my letters in English, even in Spanish?They go to US bureaus, companies and collectors and follow the CFPB's English sample letters. In Spanish the letter screen explains each part.

Where are my records?On your iPhone or iPad, and, when iCloud sync is on (Settings › iCloud in Credit), in your own private iCloud, so your other devices have them too. Your letter profile (name, address, and only if you enter them: phone, date of birth, the last 4 digits of your SSN) syncs the same way. We have no server and no account, and nothing you type is sent to us or to anyone else.

Can I get a copy of everything?Yes: Settings › Export makes one ZIP with CSV files of your items, disputes, results, letters, scores, planner cards, reminders and plan, each letter as text, and the evidence binder PDF.

How do I delete my data?Settings › Delete All Data removes every record from the device and, with iCloud sync on, from your iCloud. Deleting the app removes the device copy.

Why does my dispute show two dates?A bureau has 30 days from the day it receives your letter (45 days in some cases), and must send the results within 5 business days after it finishes. Enter the delivery date from your Certified Mail receipt or USPS tracking; until then Credit shows the earliest dates. A collector dispute shows the validation period printed on the collector's notice instead.

I used Credit 1.3. Is everything still there?Yes. Every dispute, score, step and note moved over. Your dispute dates are kept and now count from receipt; set each 1.3 score's model once (Scores › History, touch and hold).

What does Credit Pro add?Score trends across models with a monthly recap, the statement-day planner, the file forecast, the evidence binder, the Live Activity for a dispute's last week and your own reminders. Every letter, the tracker, the score log, the calculator, the plan and the Guide are free, and nothing you typed is ever locked.

How do I restore or cancel Credit Pro?Restore: Settings › Restore Purchases in Credit (Settings is in the File tab's toolbar). Cancel: iPhone Settings › your name › Subscriptions › Credit Pro › Cancel Subscription. Refunds are handled by Apple (reportaproblem.apple.com).