Long-tenure member · Multi-state · 48 hours
Autopilot Caught a New Inaccurate Tradeline Within 48 Hours
Autopilot flagged a newly added inaccurate collection within 48 hours and auto-drafted the dispute.
Detection-to-dispute time
Industry avg ~weeks<48 hours
Challenge
A debt purchaser added a 6-year-old collection to a member's file. Without monitoring, it could have sat on the file for months.
Approach
- 01Autopilot detected the new tradeline at the next bureau pull.
- 02Auto-cross-checked against the member's known account history.
- 03Drafted a METRO 2-specific dispute and surfaced for member approval.
- 04Filed dispute within 24 hours of approval.
Outcome
Tradeline deleted within 27 days. Member's score never dropped below 738 because shaping offsets were applied in parallel.
FAQs
Does Autopilot file disputes automatically?
Autopilot drafts and surfaces; members approve before filing. This keeps members informed and in control of their file.
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