CP Restoration — Dispute Operations Center

📊 Dispute Activity

Disputes Today

Letters + calls combined

Bureau Calls

This period

Items Removed

Resolved this period

Pending Response

Awaiting bureau reply

By Employee — Today

Disputes filed and bureau calls made per specialist

Specialist	Disputes Filed	Bureau Calls	Total Actions	Items Resolved	Clients Worked
No activity logged yet for this period.

Step 1 — Select Client

Enter the client ID or search by name. Their info will auto-populate.

Client ID *

Client Name

Client Email *

Client Phone *

Client Address

Date of Birth

📊 Credit Scores — Record at Every Stage

Enter scores for this dispute round. Select the stage — Beginning (enrollment), Mid-Dispute (after round 1), or End (case closed). These appear on the client timeline so they can see their improvement.

Stage

🔵 Equifax Score

🔴 Experian Score

🟢 TransUnion Score

Step 2 — Select Credit Bureaus

Choose which bureaus to dispute with. A separate letter is generated for each.

🔵 Equifax

🔴 Experian

🟢 TransUnion

All 3 bureaus selected — 3 unique letters will be generated.

Step 3 — Dispute Items

Add each item being disputed. These will appear in the cover letters and FTC report.

Additional Context / Dispute Notes

Step 4 — Supporting Documents

Upload any supporting documents to attach to the dispute. These will be referenced in the cover letters.

🪪

Government ID

Click to upload

📋

SSN Card / Proof

Click to upload

🏠

Proof of Address

Click to upload

⚖️

FTC Complaint / Police Report

Click to upload

🏦

Bank Statement

Click to upload

📎

Other Document

Click to upload

Step 5 — Letter Style

Each client gets a unique letter style — font, size, and format are randomized and can be customized here.

Font

Font Size

Letter Format

Generated Dispute Letters

⚖️ FTC Identity Theft Report

Auto-generated FTC report to include with every dispute submission.

🌐 Step 6 — Upload to Bureau Portals

After filing the dispute in our system, upload the cover letter + FTC report directly to each bureau's online dispute portal. Click each bureau link to open the portal, then follow the steps below.

⚠️ You must be logged in with the CLIENT'S bureau credentials — not a CP Restoration account. Use the login info collected during client onboarding.

🔵 Equifax

Open my.equifax.com ↗

1. Log in with client's Equifax credentials

2. Click Dispute an Error or go to Credit Report → Dispute

3. Select each disputed account and choose the dispute reason

4. Upload the Equifax cover letter + FTC report + supporting docs

5. Submit and save the confirmation number

Equifax Confirmation #

Filed in Equifax portal

🔴 Experian

Open Experian Dispute ↗

1. Log in with client's Experian credentials

2. Click Start a New Dispute

3. Select each account to dispute and choose reason

4. Upload the Experian cover letter + FTC report + ID docs

5. Submit and save the confirmation number

Experian Confirmation #

Filed in Experian portal

🟢 TransUnion

Open TransUnion Dispute ↗

1. Log in with client's TransUnion credentials

2. Go to Disputes → Start a Dispute

3. Select each account and choose the dispute reason

4. Upload the TransUnion cover letter + FTC report + ID

5. Submit and save the confirmation number

TransUnion Confirmation #

Filed in TransUnion portal

Portal Filing Status

⬜ Equifax — Not yet filed ⬜ Experian — Not yet filed ⬜ TransUnion — Not yet filed

💡 Tip: You can also mail the printed letters via USPS Certified Mail with return receipt as a backup — this creates a legal paper trail.

📬 Certified Mail Log

If mailing letters as a backup to the online portals, record the USPS tracking info here. This creates a legal paper trail.

USPS Tracking Number

Date Mailed

Mailed To (Bureau)

Estimated Delivery Date

Return Receipt Tracking #

Return receipt received / delivered confirmed

Log Bureau Call

Every call logged here counts as a dispute action and fires an automated notification to the client.

Equifax = Confirmation # | Experian = Report # | TransUnion = File #

Client ID *

Client Name

Client Phone

Client Email

Bureau Called *

Date *

Time

Bureau Rep Name

Equifax Confirmation #

Call Duration

Call Result *

Items Discussed

Specialist

Call Notes *

Internal Notes (not visible to client)

Client Notification Preview

SMS

Fill in details...

Fill in details...

Send SMS Send Email

Bureau Call History

Every entry resets the 10 business day follow-up clock.

Date	Client	Bureau	Result	Ref/Report/File #	Items	Specialist	Notified
No bureau calls logged yet.

🔔 Dispute Follow-Up Schedule

Every client is followed up every 10 business days after their last dispute action. The system automatically calculates who is due and flags overdue clients in red.

Overdue — action required immediately

Due today

Due this week

On track

Client	Last Action	Last Action Date	Next Follow-Up Due	Business Days Left	Bureaus	Specialist	Status	Action
No disputes on file. File a dispute to start tracking follow-ups.

👥 Employee Notification Panel

Send each specialist their personal list of clients who need dispute follow-up action today.

All Disputes Filed

Date Filed	Client	Bureaus	Items Disputed	Specialist	Status	Next Action	Actions
No disputes filed yet. Use the New Dispute tab to file your first dispute.

Client Case Timeline

This is the high-level view clients can see when they check their case status. It shows dispute milestones and bureau call activity without revealing internal details.

Search for a client above or file a dispute to populate the timeline.

Automated Client Notifications

Configure automated SMS and email messages sent to clients when disputes are filed or bureau calls are made.

📱 SMS: Requires Twilio or similar SMS API. Enter your Twilio credentials in Settings to enable live SMS.
📧 Email: Sent via your configured email provider. Enter SMTP or SendGrid credentials in Settings.

📱 SMS Templates

Dispute Filed SMS

Bureau Call Made SMS

Item Removed SMS

Monthly Progress Update SMS

📧 Email Templates

Dispute Filed Email Subject

Dispute Filed Email Body

📋 Notification Log

Date/Time	Client	Type	Channel	Status	Message Preview
No notifications sent yet. Notifications fire automatically when a dispute is filed.

Notification Settings

Connect SMS and email providers to enable automated notifications.

SMS notifications require a Twilio account. Sign up at twilio.com — costs approximately $0.0075 per SMS sent. Email can be sent free via Gmail SMTP or SendGrid.

📱 Twilio SMS Setup

Twilio Account SID

Twilio Auth Token

Twilio From Number

📧 Email Setup (SendGrid)

SendGrid API Key

From Email

From Name

⚙️ Dispute Operations Settings

Default Dispute Specialist

Dispute Follow-Up Interval

Auto-send SMS when dispute is filed Auto-send email when dispute is filed Auto-send SMS when bureau call is completed Always include FTC report with dispute letters Use unique font/style for each client letter

⚖️ CP Restoration — Dispute Operations Center