01 · ABOUT YOU
Not startedYour private comeback profile
This information stays in this browser and can prefill your own dispute drafts later.
YOUR FINANCIAL COMEBACK, ORGANIZED
Start Here
Local-first beta
START HERE · YOUR REAL DATA
Build your comeback around your credit reports — not sample numbers.
Tell CredBounce only what it needs, get your official reports, import them into this browser, and let the local review helper surface lines worth checking. You stay in control of every dispute and every financial decision.
✓ Reports stay on this device✓ No SSN required✓ No bureau password requested
02 · GET YOUR REPORTS
OFFICIAL LINKStart with the official source
Use AnnualCreditReport.com to request your reports from the nationwide credit reporting companies. CredBounce does not ask for your bureau password or Social Security number.
1Request your reports on the official site.
2Download or save the reports to your device.
3Come back here and import each report below.
Direct bureau retrieval inside CredBounce is not enabled in this beta. A future provider-based connection would require separate identity verification, consent, and compliance controls.
03 · IMPORT REPORTS
0 / 3 importedBring Experian, Equifax, and TransUnion into your private workspace
Text-based PDFs are read locally in your browser. TXT, HTML, and CSV files are also supported. Your files are stored in the local device vault.
No report imported yet.
If a PDF is a scanned image with no selectable text, CredBounce can still keep the file locally, but you may need to paste or export text before analysis.
04 · LOCAL ANALYSIS
0 review candidatesSurface lines worth checking across every imported report
The helper looks for identity, status, date, duplicate, balance, and payment-history language. It never declares an item inaccurate without your confirmation.
Reports with readable text0
Review candidates0
Confirmed issues0
Analysis is organizational guidance, not a credit score, legal opinion, or guarantee that any item should be removed.
05 · BUILD YOUR PLAN
Waiting on your dataTurn confirmed facts into the next move
Once you confirm a genuine issue, CredBounce can help prepare a truthful dispute draft and evidence packet. You can also build your real Debt Autopilot plan from balances and APRs you enter.
Local-first by default.
Profile details, reports, extracted report text, evidence, drafts, Debt Autopilot data, goals, and case history stay in this browser unless you explicitly authorize CredBounce Send for one specific dispute. In that case, only the final selected packet and mailing addresses are transmitted for that mailing.
CREDBOUNCE · REAL-DATA WORKSPACEPrivate browser vault · Current beta
SETUP STATUS
Your comeback starts with real data.
No sample balances, fake streaks, or pretend accounts. Finish setup, import your reports, and let CredBounce organize what you actually enter.
Workspace setup0%
UPSHIFT COMEBACK PROGRESS
0/100
↗
Built from real setup and progress inside CredBounce — not a FICO® or VantageScore® credit score.
Next milestone25% progress
0
Files currently stored in your local report vault.
0
Lines surfaced for your review — not automatically labeled errors.
0
Items you personally confirmed need a closer look.
Not set
Add balances, APRs, and minimums to build your payoff route.
YOUR NEXT MOVES
Do the next useful thing — not ten random things.
COMEBACK MISSIONS
Progress tied to real actions.
UTILIZATION
Needs your numbersYour credit usage
Not setbased on the totals you save
Enter your real total limits and reported balances in Credit Lab.
PRIVATE BY DESIGN
LocalYour workspace stays on this device
✓ Credit-report files stay in IndexedDB✓ Extracted report text stays local✓ Evidence and drafts stay local until you authorize a specific send✓ Authorized send transmits only the final selected packet + mailing addresses✓ No bureau or bank password requested
GAME PLAN
Your comeback missions
Complete a move, build momentum, then unlock the next milestone.
CREDIT LAB · YOUR NUMBERS
Utilization calculator
Enter your actual revolving credit limits and reported balances. CredBounce no longer preloads sample values.
Use the balances and limits you want to model. Do not enter passwords, full account numbers, or Social Security numbers.
Enter your actual totals to begin.CredBounce will calculate from the numbers you provide instead of showing a demo result.
Educational estimate only. Actual credit scoring can differ by bureau, model, statement timing, account type, and other factors.
UPSHIFT DISPUTE CENTER · 8 STEPS
From your report to a clean paper trail.
Import your own reports, review possible issues, prepare accurate disputes, organize evidence, track responses, and escalate when appropriate.
Local-first credit workspace · send only with your consent
Local-first + consentProfile details, report files, extracted report text, and evidence stay in this browser by default. If you choose CredBounce Send and authorize one specific mailing, your browser assembles the selected final packet and transmits that packet plus sender/recipient mailing addresses through the secure delivery gateway to the mailing provider. The gateway is designed not to retain the packet or addresses. Do not enter a full Social Security number, bank password, or bureau password.
CASE JOURNEY8 guided checkpoints · you control every submission
STEP 1 · MY CREDIT REPORTS
Get official free reports ↗Import the report into your private workspace.
Text-based PDFs are read locally in your browser so the review helper can use them without uploading the report to CredBounce.
Local PDF reading is enabled.
Selectable PDF text, TXT, HTML, and CSV content can be prepared automatically for analysis. Scanned image-only PDFs may still need pasted or exported text.
Selectable PDF text, TXT, HTML, and CSV content can be prepared automatically for analysis. Scanned image-only PDFs may still need pasted or exported text.
The original file and extracted text remain in this browser. Keep your own original copy because clearing site data can remove local files.
SAVED REPORTS
0 savedYour local report shelf
REPORT TEXT
Review or add text for the local analyzer
Privacy note: this text is stored only in this browser in the current beta. Avoid pasting full SSNs, passwords, or identity-document numbers.
STEP 2 · SMART REPORT AUDIT
Surface review candidates. You decide what is actually wrong.
The helper looks for common credit-report problem areas and never labels a negative item inaccurate without your confirmation.
IdentityWrong name, address, phone, mixed file, account not yours
StatusClosed shown open, owner vs authorized user, wrong late/delinquent status
DatesWrong last payment, open date, or first delinquency date
DuplicatesSame debt appearing more than once
AmountsIncorrect balance, past-due amount, or credit limit
REVIEW CANDIDATES
0 candidatesLines worth checking
CONFIRMED REVIEW ITEMS
Your issue list
STEP 3 · DISPUTE BUILDER
Turn the facts into a clean, original dispute letter.
Build for the credit reporting company, the information furnisher, or both. Nothing is submitted automatically.
Identity-theft lane
Use identity-theft language only if the account or information actually resulted from identity theft. A separate federal recovery/block process may apply.
Open IdentityTheft.gov ↗DRAFT PREVIEW
EditableYour letter
UPSHIFT does not guarantee deletion, score changes, or any particular investigation result. Accurate current negative information generally cannot be removed just because it is unfavorable.
OTHER CREDITOR LETTERS
Useful self-service correspondence
Settlement, payment-plan, medical-bill, goodwill, communication-preference, and APR review letters stay available too.
STEP 4 · EVIDENCE LOCKER
Keep the proof with the case.
Statements, payment confirmations, correspondence, identity-theft documentation, or other supporting records stay on this device by default. If you later authorize CredBounce Send for a specific dispute, only the evidence attached to that dispute is copied into the final packet you reviewed and transmitted for that mailing.
Files remain in browser storage. Keep each file under 25 MB and each batch under 75 MB. Clearing browser/site data can remove them, so keep your own originals.
EVIDENCE
0 filesLocal files
STEP 5 · SEND / SUBMISSION CENTER
Build it. Review it. Send it. Track it.
Create one clean packet, verify every page, choose the delivery path, and preserve the proof. CredBounce never chooses what to dispute for you.
Loading the secure tracked-send workspace…
Keep full control of a traditional submission.
For mailing addresses, use the current address on the credit report, current statement, or verified official company source. Addresses can change. Manual submission remains available even when CredBounce Send is unavailable.
PACKET PREVIEW
Review firstWhat goes in the envelope
ELECTRONIC FILING · OFFICIAL BUREAU HANDOFF
Official portal handoffFile online without giving CredBounce your bureau login.
For Experian, Equifax, and TransUnion disputes, CredBounce can open the correct official consumer portal, copy your prepared dispute letter, and record the bureau confirmation after you finish there.
Choose a saved bureau dispute above to load the electronic filing route.
The bureau handles login, identity verification, SSN requests, and document uploads on its own site. CredBounce does not receive those credentials or identity documents. Portal capabilities vary by dispute type; if a bureau requires mail for a specific item, use the manual or tracked-mail path above.
STEP 6 · RESPONSE & DELIVERY TRACKER
Know what was sent, where it is, and what came back.
Track manual submissions and CredBounce delivery records in one timeline. The federal general rule is commonly 30 days, while some circumstances can extend an investigation to 45 days. This is a planning tracker, not a legal deadline calculator.
CREDBOUNCE DELIVERY
User controlledTracked-send records
Carrier/provider status is shown as received. CredBounce does not treat a provider “completed” estimate as verified delivery. When a carrier tracking number is available, use the carrier record and confirm delivery yourself before using it as a planning anchor.
CASE TIMELINE
LocalFull paper trail
STEP 7 · RESPONSE ANALYZER
Translate the response into plain English.
The local analyzer looks for outcome language such as corrected, deleted, verified, no change, insufficient information, or requests for more documentation.
No response analyzed yet.
UPSHIFT will summarize likely outcome language and suggest a reasonable next checkpoint. It cannot determine whether a legal investigation was adequate.
STEP 8 · ESCALATION CENTER
If the first round did not fix it, organize the next move.
Check complaint timing, build a clean chronology, use the identity-theft route when it truly applies, and preserve your documents.
Current CFPB credit-reporting complaint instructions generally require first disputing inaccurate/incomplete information with the consumer reporting agency. The portal currently asks whether that dispute is more than 45 days old or is no longer pending.
A different lane when the account truly is fraudulent.
If an item resulted from identity theft, federal resources can help create an identity-theft report and support a request to block fraudulent information. Do not use this route for ordinary negative accounts.
NON-NEGOTIABLE GUARDRAIL
No fake disputes. No false identity-theft reports. No “guaranteed deletion” button.
UPSHIFT is designed to help consumers exercise legitimate rights and organize truthful documentation. CredBounce Send is limited to user-reviewed, user-authorized delivery logistics for a specific packet; it does not decide what to dispute or create future disputes automatically. A managed “we handle it for you” credit-repair service stays disabled until separate federal/state compliance review, contracts/disclosures, cancellation rights, fee-timing controls, and legal review are complete.
DEBT AUTOPILOT · LEVEL 1 + LEVEL 2
Turn your payoff plan into a system that keeps rolling.
Choose Snowball or Avalanche, set the extra amount, see the exact plan for every debt, record posted payments, and let freed payments roll forward automatically.
PAYOFF METHOD
Your current monthly budget does not reduce the projected balance under this estimate. Increase the payment budget or review the debt inputs.
| Account | Remaining / progress | APR | Minimum | Plan payment | Priority |
|---|
Plan amounts are educational projections. Actual interest accrual, statement timing, minimums, payoff quotes, fees, and payment application can differ by creditor.
THIS MONTH'S ROUTE
Exact plan allocation
Minimums first, then the remaining budget follows your selected Snowball or Avalanche priority.
Planned total
$0.00
Applying the plan updates this browser only. It does not send funds. Use it only when you want UPSHIFT to assume the planned payments occurred.
NEXT 6 MONTHS
Projected payment route
Preview how the same monthly budget is expected to roll across your debts as balances fall.
Future allocations are estimates and recalculate whenever you update a balance, payment, APR, minimum, strategy, or extra amount.
PAYMENT HISTORY
What you have tracked
Keep the remaining balances and payoff progress current after payments post.
LEVEL 2 · AUTOPILOT+ PAYMENTS
$9.99/mo · UPSHIFT+Premium membership is preparing for launch. Creditor-payment activation stays separately controlled.
UPSHIFT+ membership is $9.99/month with checkout through your verified CredBounce account. Premium tools unlock after the active subscription is verified. The membership supports the premium Debt Autopilot path, but buying it does not authorize any bank debit or creditor payment. Live creditor-payment execution activates only after the specialized payment provider is supported and you complete the separate Level 2 authorization workflow.
Join activation updates — no charge ↗
For $9.99/month Premium membership, open your verified membership account. Premium unlocks after subscription verification. Joining the interest list does not start a subscription or authorize creditor payments.
SAVINGS GOALS
Give every dollar a destination
Create a target, track the amount already set aside, and add progress in small, deliberate moves.
Goal balances in this beta are planning values stored in your browser; they do not move or reserve money in a bank account.
RECURRING EXPENSES
Know what stays, what needs review, and what can go
Track recurring services and bills, compare the monthly impact, and mark potential savings without losing sight of what you actually use.
UPSHIFT organizes your decisions only. It does not cancel subscriptions or contact providers on your behalf.
ACCOUNT CONNECTIONS
Not enabledNo pretend bank balances.
CredBounce does not show sample accounts in the real-user workspace. Live account connections will only appear after an approved provider, explicit consent, and production security controls are in place.
FUTURE LIVE CONNECTIONS
Secure linking will use a specialized provider — not a password field inside CredBounce.
When activated, account linking will require server-side provider authentication, consent logging, tokenized access, webhook validation, revocation controls, and updated privacy disclosures. Until then, use Debt Autopilot and Credit Lab with the balances and totals you choose to enter yourself.
UPSHIFT+ · PREMIUM MEMBERSHIP
More control, deeper planning, and the premium path to Debt Autopilot+.
UPSHIFT+ is CredBounce’s premium membership for advanced comeback planning and premium tools as they launch. Creditor-payment automation is a separate Level 2 capability and does not activate from membership purchase alone.
$9.99/ month · renews monthly until canceled
✦ Premium Scenario Studio Compare Snowball and Avalanche with your chosen extra payment budget
✦ Full payoff schedule export Download detailed monthly plan data as a CSV file
✦ Autopilot+ activation path Premium members can join the Level 2 activation workflow
✦ Creditor-payment controls Activates only after approved provider + separate authorization
✦ Subscription insights Beta foundation available
✦ Upcoming Premium features Additional tools are planned, not included in this release
UPSHIFT+ Premium membership is $9.99/month and automatically renews until canceled. Sign in to your verified account to start secure checkout and unlock the advanced private scenario planner when Stripe confirms the subscription. The regular planning workspace and free updates remain free. Purchasing membership does not authorize CredBounce or Storm And Me LLC to debit a bank account or send payments to creditors. Debt Autopilot+ creditor-payment execution requires a supported payment partner, separate identity/funding setup, verified creditor destinations, and a separate member authorization before activation.