How it works
From credit report to clear next steps.
Clearline is built around a simple idea: before you act on your credit, you should understand what you are acting on — and once you do, the work should be organized for you.
Two paths
Guidance, or execution.
Most people arrive in one of two states. Clearline supports both, and you do not have to buy the analysis before using dispute automation.
Path one
Credit Analysis
$250 · one professional review
For people who do not yet know what matters most. You get interpretation, prioritization, and a plan you can follow.
Path two
Dispute Automation
$125 · per round
For people who already know which items they want addressed and want the tedious preparation handled and organized.
Credit Analysis
The analysis sequence.
Four steps between an unreadable report and a plan you can act on.
- 01
Tell us your goals and current situation
A short intake covers what you are trying to accomplish, your timeline, and what you are struggling with today.
- 02
Provide your credit report(s)
The more complete the data, the more useful the review. Three-bureau data allows direct comparison between Experian, Equifax, and TransUnion.
- 03
Clearline reviews the file account by account
Every tradeline, status, balance, date, and inquiry is read in context rather than in isolation.
- 04
Receive findings, priorities, and an action plan
Findings are ranked by importance and paired with a sequence of recommended actions over 30, 60, and 90 days.
Dispute Automation
The dispute round sequence.
You direct what is addressed. Clearline organizes and prepares the round.
- 01
Tell us what you want addressed
You already know the problem areas. The intake captures the outcome you are after.
- 02
Identify the accounts and what you believe is wrong
Select the specific items and describe the inaccuracy or the outcome you want considered.
- 03
Provide relevant facts and supporting documents
Your facts drive the materials. Documentation strengthens what is submitted on your behalf.
- 04
Clearline prepares the workflow and materials for review
One organized round, prepared for your review before anything is finalized.
Disputes are consumer-directed and based on the items, facts, and documents you provide. No deletion or score-change guarantees.
Why the intake matters
The same report can call for different strategies.
Clearline asks about your goals, urgency, expectations, budget, and preferences before recommending anything — because two people with nearly identical reports often need very different sequences of action.
Someone applying for a mortgage in six weeks has different constraints than someone rebuilding over two years. Someone willing to put money toward balances has options that someone with no available funds does not.
The intake takes a few minutes and makes everything after it more useful.