C
Copiafy
Reports
Analysis
Bureaus
✓ Equifax
✓ TransUnion
+ Experian
24
Items found
11
Negative
7
Disputable
+74
Est. pts
⚡
Start here
3 legal removals
1
Midland Credit Mgmt
Must Remove
FCRA § 1681c — past 7-year window · Impact 9/10
Dispute
2
Portfolio Recovery
Moderate
Collection · Verify debt ownership · Impact 9/10
Dispute
3
Chase ••••4821
Mismatch
Late 60 on Equifax, current on TransUnion · Impact 8/10
Dispute
C
Copiafy AI
×
C
Midland is past the 7-year window — legally must be removed. Dispute it first.
Score potential
if resolved
612
→ +74 pts
686
Fair
Good
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