credit reporting

A wrong score can cost someone their home. Every dispute matters.

AI agents and multilingual specialists that handle dispute intake, credit report explanations, and fraud alerts in 65+ languages — with the accuracy and empathy these calls demand.

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how it plays out

Real contacts, minute by minute.

Phone English

"There's an account on my report that isn't mine"

Identity theft — most urgent dispute type

Consumer calls reporting an unknown account on their credit file
AI confirms identity through knowledge-based authentication
Initiates fraud alert and identity theft dispute simultaneously
Provides case number and explains investigation timeline

Handled without escalation fraud alert placed

Web Chat Spanish

"Why did my score drop after I paid off my card?"

Score confusion erodes consumer trust

Consumer opens chat in Spanish confused about a score decrease
AI reviews recent credit file changes and identifies utilization shift
Explains how credit mix and average age of accounts affect scoring
Provides personalized tips to improve score trajectory

Resolved automatically score explained

Email Korean

"I sent my dispute documents two weeks ago"

Dispute follow-up — consumers are anxious

Consumer emails in Korean asking about their dispute status
AI retrieves dispute case and confirms documents were received
Provides current investigation status and expected completion date
Sends link to track dispute progress in real time

Instant resolution status confirmed

SMS Vietnamese

"I need a copy of my credit report"

FCRA-mandated free report request

Consumer texts in Vietnamese requesting their annual free report
AI verifies identity through secure SMS authentication flow
Generates secure link to download credit report from portal
Confirms report access and offers credit monitoring enrollment

Report delivered FCRA request fulfilled

the team behind it

Faces, not a queue.

real members of the global team

Credit Reporting Specialists

Deep knowledge of FCRA dispute processes, timelines, and consumer rights
Experienced with bureau systems and e-OSCAR dispute resolution platform
Trained to handle emotionally charged identity theft and error correction calls

65+ Languages

Native-speaking agents in English, Spanish, Mandarin, and 60+ more
Real-time AI translation for rare language pairs
Cultural context training for every market we serve

Follow-the-Sun Coverage

Operations in Philippines, Colombia, Pakistan, and 6 more countries
Smooth handoff between time zones with shared context
Holiday and weekend coverage without overtime costs

compliance

Regulatory Compliance Built In

FCRA dispute handling within mandated 30-day investigation windows
FACTA identity theft victim procedures and documentation
CFPB Supervision and Examination Manual adherence
State-specific credit reporting regulations and consumer protections

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See how AI handles high-volume dispute intake with accuracy

We'll demonstrate dispute filing, fraud alerts, and consumer education flows with your systems.

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