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DisputeFox Complete Guide

Chapter 2

DisputeFox Guide

DisputeFoxdisputeslettersclient-profilecredit-bureaus

What DisputeFox Does

  • Generates professional dispute letters to Equifax, Experian, and TransUnion
  • Tracks dispute rounds, bureau responses, and item status
  • Manages client credit files and dispute history
  • Handles the full dispute lifecycle from intake to resolution
  • Used exclusively by the Dispute Team (based in Philippines)

Login Process

URL: app.disputefox.com
Login with assigned credentials (from Dianna / team lead)
You will land on the Dashboard showing client list
Assigned company: Crowned Credit 4

How to Create a Client Profile

  1. Click + New Client in DisputeFox dashboard
  2. Enter: First name, Last name, Email, Phone, Address, SSN (last 4 only in notes)
  3. Import credit report from SmartCredit (see Ch 3 for access instructions)
  4. Verify all 3 bureaus are connected: Equifax, Experian, TransUnion
  5. Tag client correctly: plan type (Essentials / Accelerated / Momentum)
  6. Set status to: Active
  7. Assign to folder: Active Client
  8. Assign to: Crowned Credit 4
  9. Notify Dianna + Dispute Team GC (WhatsApp) that new client is ready

How to Generate Dispute Letters

  1. Open client profile in DisputeFox
  2. Review credit report — identify negative items to dispute
  3. Click New Round to start dispute round
  4. Select bureau(s): Equifax, Experian, TransUnion (or all 3)
  5. Select items to dispute + reason code for each item
  6. DisputeFox generates letters automatically
  7. Review all letters for accuracy — verify client name, address, and items
  8. Print and mail OR send electronically via bureau portal
  9. Log the round date and expected response window (30 days for bureaus)
📋 Dispute Round Timing Bureaus have 30 days to respond to disputes (FCRA requirement). Round 1 usually sent at onboarding. Round 2 at ~35–45 days. Track responses and update DisputeFox when bureau responses arrive.

How to Track Dispute Progress

Client Profile → Disputes Tab
Shows: All rounds, items disputed, bureau responses, items removed/verified

Status indicators:
🟡 Pending — Awaiting bureau response
✅ Removed — Item deleted from report
🔄 Verified — Bureau confirmed item (may need escalated letter)
❌ Failed — Item not removed, needs different approach

How to Reactivate a Paused Client

⚠️ Before Reactivation Get the most recent credit report first (use SmartCredit existing report — NEVER order a new one). Import into DisputeFox before changing status.
  1. Search client in DisputeFox by name or email
  2. Check if there are import overdues — if yes, get most recent credit report and update file
  3. Change client status: Archived → Active
  4. Move to folder: Active Client
  5. Portal Settings: Turn ON (so client can access their portal)
  6. Verify: Status = Slow Delete EM or Accelerated | Password = Name123 format | 3B credit monitoring working
  7. Assign to: Crowned Credit 4
  8. Notify team: post in GC WhatsApp + tag Dianna Dispute Team
  9. Update Reactivation Google Sheet Tracker for commission tracking

Common Issues & Fixes

IssueCauseFix
Import overdues on client profileCredit report data is stalePull latest SmartCredit report → re-import into DF
Bureau not responding to lettersIncorrect mailing address or formatSend via certified mail; use escalated letter template
Client portal not workingPortal Settings set to OFFGo to client → Portal Settings → Toggle ON
Wrong company assignmentAssigned to wrong sub-accountChange to "Crowned Credit 4" in client settings
Can't find clientMay be archivedChange filter from "Active" to "All" to show archived clients
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