📉 Derogatory Item Detector FCRA §§ 605, 611, 623

Upload a credit report (PDF text or paste) — automatically detects collections, charge-offs, late payments, bankruptcies, judgments, and other negative items that damage your credit score. Each item is mapped to potential Fair Credit Reporting Act violations.

✅ Based on sample credit report format: detects "30/60/90" day late codes, "Collection Account", "Charge Off", "Adverse Accounts", "Public Records" with bankruptcy, and more.

📄 Step 1: Load Credit Report

Click or drag .txt / .pdf

💡 Tip from sample report: Negative items can legally be removed after 7 years from the date the debt first became overdue. If old items appear, dispute under FCRA §605.
🚨 Derogatory Items: 0 ⚖️ Potential Violations: 0 📅 Obsolete Items (>7yrs): 0
📋 Upload or paste a credit report to detect collections, charge-offs, late payments, bankruptcies, and other derogatory items that lower your credit score.