Importing Credit Reports vs Manual - Which is Faster?



Want to use credit reports from any report provider in the world? You can!

Our software can be used in many different ways.  We want to provide as many options as possible. So you can IMPORT or add items manually. The choice is yours.  Here's info about both:

"Importing" credit reports looks cool, but it's not faster.

Contrary to popular belief, adding dispute items manually in Wizard 3 is usually as fast importing them! Additionally, you can use ANY credit report provider in the world (which will make your clients happy).  Importing adds many extra steps.  Whereas when adding dispute items manually, you never leave Wizard 3. See below for a video comparison.

8 biggest benefits to using the manual option in Wizard 3:

  1. Use ANY Credit Reports from ANY provider.
  2. No need to ask your client for login details.
  3. No need to be concerned with changes a report provider makes to their site.
  4. No need for a special browser
  5. No need for a special browser plugin
  6. No need need to copy and paste any source code
  7. You can even use an iPad.

Why is as fast to add items manually in Wizard 3?

When you add a dispute item manually, you do it all in Wizard 3. All you type is the creditor name and the partial account number that you see in the report (Example: AMEX XXXXXXX1234). Then click the dropdown for "Reason" and "Instruction" (Similar to when you import). Typing a Creditor Name and a partial account number that is mostly XXX's is super fast. This is how our software worked for many years before adding the import feature.

What is the benefit of "Importing" a Report?

The greatest benefit of "importing" a report is that you are using the software to automatically select the negative items and enter all those account numbers and Creditor/Furnisher details without having to type them in.

Once your clients' reports are updated (hopefully after some deletions/corrections) all you need to do is re-import! The software will detect the changes and give you a summary that you can also share with your clients.


Here’s a side by side comparison of MANUAL vs. IMPORT:

Manual (from start to finish):

STEP 1 and done!


Importing (from start to finish)


Import the report source code:


Tag the disputes in the Import Preview Page:


Create the letters in the wizard


Yes importing and re-importing reports is nice and easy, but sometimes you may need to manually add those dispute items. And it's also nice to be able to use ANY report that you like.


Since many folks ask:

Updating items later

Q: 1 month later: How do you update the status of a dispute item?

A: You can do it in two ways:

  • You can import your client's latest report as shown here:

  • Or you can manually update the dispute items manually:
2 out of 2 found this helpful
Have more questions? Submit a request



Article is closed for comments.

Need help from our experts?
Register for a free live software class. Join now >>
Isaac's photo Isaac
Ernst's photo Ernst
Michon's photo Michon
Rhonda's photo Rhonda