CREDIT REPAIR MASTER TRACKER

📌 HOW TO USE EACH TAB

⚠ KEY RULES: Always send dispute letters via USPS Certified Mail with Return Receipt. Log the tracking number in the Document Log. Bureaus have 30 days to respond (45 if you send additional info). A deletion on one bureau does NOT remove it from the others — dispute each separately. NEVER pay a collection without a written pay-for-delete agreement first.
📋 DISPUTE TRACKER 0 disputes
💡 TIP: One row per dispute letter sent. Update Outcome when you get a response. Overdue deadlines highlight automatically. Use the 30-Day Deadline column to stay on top of bureau response windows.
#Creditor / AgencyAcct # Last 4 Account TypeBureauLetter Type Date Mailed30-Day DeadlineResponse Date OutcomeFollow-Up?Tracking # Notes
📅 DISPUTE TIMELINE PLANNER
💡 TIP: Enter the date you mailed the letter — the 30-day deadline, follow-up dates, and CFPB escalation date all calculate automatically. Rows turn red when a deadline has passed with no response.
#Creditor / AccountBureauLetter Type Date MailedBureau Receives (+3d) 30-Day Deadline45-Day Deadline Response DateDays LeftStatus Follow-Up Day 15Follow-Up Day 25CFPB Escalate By Notes
📝 NEGATIVE ACCOUNT AUDIT
💡 START HERE: List every negative account before sending any letters. Assign a dispute strategy and priority level to each. Work highest priority items first.
#Creditor / AgencyAccount Type Original CreditorAcct # Last 4Balance $ Date 1st Delinquency7-Year Expires EQEXTU Dispute BasisStrategyPriority Sent?OutcomeNotes
📈 CREDIT SCORE PROGRESS TRACKER
📌 HOW TO GET YOUR FREE SCORES: Equifax → myequifax.com | Experian → experian.com/free-credit-report | TransUnion → Credit Karma (free, updates weekly)

📊 Progress Summary

📬 CREDITOR & BUREAU CONTACT DIRECTORY

🏛 Credit Bureaus — Dispute Addresses

⚖ CFPB & FTC — Escalation Contacts

📋 My Creditor Contacts

📂 DOCUMENT LOG — Every Letter & Response
⚠ IMPORTANT: This is your legal paper trail. Log every certified mail tracking number. Keep copies of every letter you send and every response you receive.
#Date SentSent ToDocument Type Account / SubjectTracking # Delivered DateResponse DateResponse Type Copy Saved?Follow-Up?Notes
Created & Curated By
Dunia Merci
Credit Strategist · Funding Architect · Educator

Follow along for daily credit strategy, dispute walkthroughs, funding tactics, and behind-the-scenes wins from students using this tracker.

📣 Tag Dunia With Your Wins
Score boost? Account deleted? Big approval? Share your win on any platform and tag @duniamerci — featured wins regularly make it into Shorts and Reels.