Reimport Credit Reports

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How do I update credit report changes? Should I import again?

Each month, after you've imported the initial credit report and once your client is notified by the bureaus about changes for disputed items, you can reimport your clients' report or manually update the dispute items. When items have changed status, you can certainly re-import the credit report if it is from the same provider that you imported from before. The alternative to reimporting a report is to manually update your client’s dispute items, which will be covered in this article as well.

 

Table of contents:

 

To start, make sure you have the following:

 

Reimport a credit report using the Import/Audit feature - Step by step:

Our Credit Report Import Tool is a huge time saver. It highlights what’s negative on the report, so all you have to do is run the Dispute Wizard to create your dispute letters.

  1. Log in to your Credit Repair Cloud account


  2. Click on My Clients

    My clients button

  3. Click on your client’s name to open the client dashboard

    Example of client

  4. Click on Import/Audit

    Import Audit button

  5. Click on Reimport Credit Report

    Reimport Credit Report button

  6. Click on NEW Auto Import

    New Auto Import button

    Scenario A:
    If your client hasn’t entered their credit monitoring access details, you will see the following screen where you would need to enter the information manually:

    Import report feature without access details

    Scenario B: If your client has completed their onboarding process and provided you with their credit monitoring access details, you will see the following screen instead:

    Import report feature with saved access details

  7. Click on the Import Report And Run Simple Audit button

    If you do not wish to run a simple audit, you can click the link at the bottom that says I don't need an audit, just import.

    Import Report And Run Simple Audit button

  8. Once you click on Import Report, then you are all done with importing the report and you can now choose reasons and instructions for all negative and incorrect items.

 

Update Dispute Items manually - Step by step:

  1. Log in to your Credit Repair Cloud account


  2. Click on My Clients

    My Clients button

  3. Click on your client’s name to open the client dashboard

    Example of client

  4. Click on Dispute Items

    Dispute items button

    You will be presented with a list view of the dispute items that you’ve added or imported for this client.

    List view of disputed items


  5. Go through the report and edit the dispute status as needed under the three bureaus

    For example, if I wanted to update the following Bank of America Mortgage item, I would click on the Equifax’s status that remains In Dispute:

    Example of disputed items list view



    A pop-up will show to edit the disputed item.

    Select the new status for the item under the corresponding bureau(s).

    Credit item status selection

  6. Click on Save Changes

    Save Changes button

 

Update Dispute Items manually - Video overview

 

What if my client wants to see the scores change over time?

If all the following conditions are met, your client will be able to see their score changes on their client portal:

  • Your client holds a paid subscription to the credit monitoring service.

  • You either use the Import/Audit feature or manually update the reported score for each bureau.

 

What you can do now:

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