Navigating a new website can sometimes feel overwhelming, especially when you’re trying to make the most of its features. That’s why we’ve created this explainer video to walk you through the Member Dashboard on SmartDispute.ai. Whether you’re looking to understand more about the Dashboard or see your credit repair efforts at-a-glance, this video helper will show you exactly how to do it.
In the video , you’ll find:
- ✅ A quick video tutorial explaining how to use the Member Dashboard
- ✅ Tips on how to get the most out of the Dashboard page
Video Transcript
Hey, it’s Kevin with SmartDispute.ai… with this video tutorial about the Dashboard.
You’ll notice that the Dashboard is not a menu item. When you’re logged into the member section, just click on the smartdispute.ai logo to return here. Also, each time you log in, this is the default page you’ll be directed to.
The first section you’ll see is your Credit Scores from each credit bureau. These are VantageScore credit scores, which are widely used in the credit reporting industry. Below each credit score is the credit score range used by VantageScore, with 300 on the horrible side and 850 on the perfect score side. Finally, you’ll see the date the credit reports were pulled and analyzed by SmartDispute.ai. You can click on the button “View Credit Report” to see your combined credit reports from the credit bureaus, but we’ll get to that in another helper video.
The next section is called Credit Categories. When SmartDispute.ai analyzes your credit reports, the technology is looking for errors, omissions, and inconsistencies. It also looks for the TYPE or CATEGORY of accounts showing up on your credit report. Why? Because this drives the dispute strategy of our AI-driven technology. Once the technology understands the account category, it will look for the most potent dispute available. Because not all disputes are created equal. Correctly categorizing the accounts is critical. So, here’s the rundown:
- All Accounts. This is a total count of all the accounts, or creditors providing data about your account with them to the credit bureaus. Some will be positive, and some will be negative. There will be open accounts and accounts that have been closed. We’ll do a deeper dive when you view the helper video about your Smart Report, also known as your Credit Report.
- Next is Late Payments. These are accounts where bills were paid 30+ days late. And you could be as much as 120 to 150 days late, too. You might have been late in 2021 and then again in 2024. But here’s the thing… even one late payment can lower your credit score and stays on your report for 7 years. By the way, SmartDispute.ai tracks all the accounts that have reported a late payment during the past 7 years and this is critical if you really want to repair your credit.
- On we go to Collection Accounts. Unpaid debts (like medical bills or credit cards) are sometimes sold by the original creditor to a collection agency. Other times, these accounts are sold to another type of debt collector company—called a debt buyer. That credit card or bank loan you could no longer make payments on is now owned by a new company and that new account owner replaces the original creditor on your credit report. And that new account owner will do just about anything to get you to pay. These hurt your score and can remain for 7 years, even if paid later.
- Charge-Off Accounts are when lenders give up on collecting a debt – usually after 6 months of no payments. They retain ownership of the account instead of selling it to a collection agency or debt buyer. But just because they’ve given up trying to collect through letters, phone calls, and emails… in their eyes, you still owe them money and some of them can be very, very aggressive about getting you to pay. Charge-off accounts stay on your report for 7 years and lower your score. Paying a charged-off debt doesn’t remove it but may help your score over time.
- Next is Accounts With Inquiries. These happen when you apply for loans or credit cards. These are hard inquiries only as soft inquiries do not appear on your consumer credit report. Each inquiry lowers your score slightly and stays visible for 2 years. Too many credit applications in a short time can signal financial trouble. A couple of words about inquiries: too many people freak out when inquiries show up on their credit reports, but they don’t weigh near as negatively on your credit score as do late payments, collections, and charge-offs… and they are notoriously difficult to remove.
- Finally, we have Public Records, which nowadays are exclusively bankruptcies. This is when a court rules that someone can’t pay what they owe. It stays on your credit report for 7–10 years, hurts your score badly, and makes borrowing money tough. Lenders see this as a major red flag. Fortunately, the credit bureaus recently removed civil judgments and tax liens from this category.
The next section on your Dashboard is “Smart Track.” This is an overview of the disputes you have already approved and hopefully sent out. It is your tracking mechanism for all the dispute activity you have going on: current, in process, and completed. The helper video in the Smart Track section provides more details.
Last, the Score History tracks your score over time. It is updated every month your membership is active, and a new series of credit reports are uploaded into SmartDispute.ai. This helps you see your progress over time.
Thanks for watching! And remember that you can view this video any time you log into your SmartDispute.ai account, or you can go to the Smart Learn section and search for “Dashboard Video” to view or read a transcript of the video content. If you have questions about some of the terms used in the video, ask SmartChat for help!