UPSHIFT COMEBACK SCORE
74/100
↗
This is a financial-wellness score — not a FICO® or VantageScore® credit score.
Next milestone80 Club
YOUR FINANCIAL COMEBACK, ORGANIZED
Dashboard
Private beta
UPSHIFT FINANCIAL OSPrivate workspace · local mode
6 months
Keep the rhythm. Consistency builds momentum.
$6,420
Sample balances across checking, savings, and credit accounts.
TODAY'S MOVES
Small wins. Real momentum.
UTILIZATION
Needs workCredit usage
42%across sample cards
Drop below 30% to hit the first target zone.
UPCOMING
On trackMoney calendar
03
Electric bill$142 · scheduled
08
Card A$95 · minimum due
12
Streaming bundle$31.98 · review
GAME PLAN
Your comeback missions
Complete a move, build momentum, then unlock the next milestone.
CREDIT LAB
Utilization calculator
See how much balance reduction would move you into a lower utilization zone.
42.0%Target: below 30%
To reach 30%$1,200 paydown
To reach 10%$3,200 paydown
Educational estimate only. Actual credit scoring can differ by bureau, model, statement timing, account type, and other factors.
UPSHIFT DISPUTE CENTER · 8 STEPS
From report review to resolution — one clean paper trail.
Privacy-first self-service software for identifying possible report errors, preparing accurate disputes, organizing evidence, tracking responses, and escalating when appropriate.
Device-only financial data in this build
Local vaultFiles and evidence are stored locally in your browser using IndexedDB. UPSHIFT v0.6.0 does not upload them to Storm And Me LLC or a third party. Do not enter a full Social Security number, bank password, or bureau password.
CASE JOURNEY8 guided checkpoints · you control every submission
STEP 1 · CREDIT REPORT INTAKE
Get official free reports ↗Bring the report into your private workspace.
Save the original file locally, then paste report text for the on-device review helper.
PDFs are stored in the local vault. Text/HTML/CSV files can also be read locally. For PDFs, paste the relevant report text below for the audit helper.
SAVED REPORTS
0 savedYour local report shelf
REPORT TEXT
Paste text for the on-device audit helper
Privacy note: this text is stored only in this browser in v0.6.0. Avoid pasting full SSNs, passwords, or identity-document numbers.
STEP 2 · SMART REPORT AUDIT
Surface review candidates. You decide what is actually wrong.
The helper looks for common credit-report problem areas and never labels a negative item inaccurate without your confirmation.
IdentityWrong name, address, phone, mixed file, account not yours
StatusClosed shown open, owner vs authorized user, wrong late/delinquent status
DatesWrong last payment, open date, or first delinquency date
DuplicatesSame debt appearing more than once
AmountsIncorrect balance, past-due amount, or credit limit
REVIEW CANDIDATES
0 candidatesLines worth checking
CONFIRMED REVIEW ITEMS
Your issue list
STEP 3 · DISPUTE BUILDER
Turn the facts into a clean, original dispute letter.
Build for the credit reporting company, the information furnisher, or both. Nothing is submitted automatically.
Identity-theft lane
Use identity-theft language only if the account or information actually resulted from identity theft. A separate federal recovery/block process may apply.
Open IdentityTheft.gov ↗DRAFT PREVIEW
EditableYour letter
UPSHIFT does not guarantee deletion, score changes, or any particular investigation result. Accurate current negative information generally cannot be removed just because it is unfavorable.
OTHER CREDITOR LETTERS
Useful self-service correspondence
Settlement, payment-plan, medical-bill, goodwill, communication-preference, and APR review letters stay available too.
STEP 4 · EVIDENCE LOCKER
Keep the proof with the case.
Statements, payment confirmations, correspondence, identity-theft documentation, or other supporting records are stored only on this device in v0.6.0.
Files remain in browser storage. Clearing browser/site data can remove them, so keep your own originals.
EVIDENCE
0 filesLocal files
STEP 5 · MAIL / SUBMISSION CENTER
Package it cleanly before anything leaves your hands.
Generate a printable packet, review the evidence checklist, and log how and when you sent it.
For mailing addresses, use the current address on the credit report, current statement, or verified official company source. Addresses can change.
PACKET PREVIEW
Review firstWhat goes in the envelope
STEP 6 · RESPONSE TRACKER
Know what was sent, when, and what came back.
The federal general rule is commonly 30 days, while some circumstances can extend an investigation to 45 days. This is a planning tracker, not a legal deadline calculator.
CASE TIMELINE
LocalFull paper trail
STEP 7 · RESPONSE ANALYZER
Translate the response into plain English.
The local analyzer looks for outcome language such as corrected, deleted, verified, no change, insufficient information, or requests for more documentation.
No response analyzed yet.
UPSHIFT will summarize likely outcome language and suggest a reasonable next checkpoint. It cannot determine whether a legal investigation was adequate.
STEP 8 · ESCALATION CENTER
If the first round did not fix it, organize the next move.
Check complaint timing, build a clean chronology, use the identity-theft route when it truly applies, and preserve your documents.
Current CFPB credit-reporting complaint instructions generally require first disputing inaccurate/incomplete information with the consumer reporting agency. The portal currently asks whether that dispute is more than 45 days old or is no longer pending.
A different lane when the account truly is fraudulent.
If an item resulted from identity theft, federal resources can help create an identity-theft report and support a request to block fraudulent information. Do not use this route for ordinary negative accounts.
NON-NEGOTIABLE GUARDRAIL
No fake disputes. No false identity-theft reports. No “guaranteed deletion” button.
UPSHIFT is designed to help consumers exercise legitimate rights and organize truthful documentation. A managed “we handle it for you” credit-repair service stays disabled until separate federal/state compliance review, contracts/disclosures, cancellation rights, fee-timing controls, and legal review are complete.
DEBT AUTOPILOT · LEVEL 1 + LEVEL 2
Turn your payoff plan into a system that keeps rolling.
Choose Snowball or Avalanche, set the extra amount, see the exact plan for every debt, record posted payments, and let freed payments roll forward automatically.
PAYOFF METHOD
Your current monthly budget does not reduce the projected balance under this estimate. Increase the payment budget or review the debt inputs.
| Account | Remaining / progress | APR | Minimum | Plan payment | Priority |
|---|
Plan amounts are educational projections. Actual interest accrual, statement timing, minimums, payoff quotes, fees, and payment application can differ by creditor.
THIS MONTH'S ROUTE
Exact plan allocation
Minimums first, then the remaining budget follows your selected Snowball or Avalanche priority.
Planned total
$0.00
Applying the plan updates this browser only. It does not send funds. Use it only when you want UPSHIFT to assume the planned payments occurred.
NEXT 6 MONTHS
Projected payment route
Preview how the same monthly budget is expected to roll across your debts as balances fall.
Future allocations are estimates and recalculate whenever you update a balance, payment, APR, minimum, strategy, or extra amount.
PAYMENT HISTORY
What you have tracked
Keep the remaining balances and payoff progress current after payments post.
LEVEL 2 · AUTOPILOT+ PAYMENTS
$9.99/mo · UPSHIFT+Premium membership is live. Creditor-payment activation stays separately controlled.
UPSHIFT+ is now available for $9.99/month through secure Stripe checkout. The membership supports the premium Debt Autopilot path, but buying it does not authorize any bank debit or creditor payment. Live creditor-payment execution activates only after the specialized payment provider is supported and you complete the separate Level 2 authorization workflow.
Start UPSHIFT+ — $9.99/month ↗
Stripe processes the membership checkout. Membership purchase is separate from any future creditor-payment authorization.
SAVINGS GOALS
Give every dollar a destination
Create a target, track the amount already set aside, and add progress in small, deliberate moves.
Goal balances in this beta are planning values stored in your browser; they do not move or reserve money in a bank account.
RECURRING EXPENSES
Know what stays, what needs review, and what can go
Track recurring services and bills, compare the monthly impact, and mark potential savings without losing sight of what you actually use.
UPSHIFT organizes your decisions only. It does not cancel subscriptions or contact providers on your behalf.
ACCOUNT PREVIEW
See the full money picture — without entering bank credentials
Use sample accounts to explore the experience today. Live account connections will only be enabled through an approved provider with explicit consent and production-grade security controls.
LIVE CONNECTIONS
Coming laterSecure account linking is reserved for the production release
When activated, account linking will require an approved data provider, server-side authentication, consent logging, encrypted credentials, and validated webhook handling. CredBounce will not ask you to type a bank password directly into this beta.
UPSHIFT+ · PREMIUM MEMBERSHIP
More control, deeper planning, and the premium path to Debt Autopilot+.
UPSHIFT+ is CredBounce’s premium membership for advanced comeback planning and premium tools as they launch. Creditor-payment automation is a separate Level 2 capability and does not activate from membership purchase alone.
$9.99/ month · billed monthly through Stripe
✦ Advanced Debt Autopilot Snowball, Avalanche, rollover, payoff forecasting
✦ Payment-route planning Exact monthly allocations and rolling payoff schedule
✦ Autopilot+ activation path Premium members can join the Level 2 activation workflow
✦ Creditor-payment controls Activates only after approved provider + separate authorization
✦ Subscription insights Beta foundation available
✦ Monthly comeback reporting Premium roadmap feature
Secure Stripe checkout is live. UPSHIFT+ renews monthly until canceled. Purchasing membership does not authorize CredBounce or Storm And Me LLC to debit a bank account or send payments to creditors. Debt Autopilot+ creditor-payment execution requires a supported payment partner, separate identity/funding setup, verified creditor destinations, and a separate member authorization before activation.