Your credit report, explained by AI.
Upload your credit report and get a clear breakdown of what may be hurting your profile, what needs attention, and which custom dispute letters you can generate next.
No guaranteed removals, approvals, or score increases. Educational and document-preparation support only.
AI report scan
Upload. Analyze. Generate.
AI is checking accounts, dates, balances, and possible dispute angles.
How it works
From confusing report to clear action plan.
Northgate gives customers a fast, simple path: scan their report, understand what matters, generate documents, then upgrade for hands-on support.
Upload report
Customer uploads a readable credit report on the service product page using Upload-Lift.
AI analyzes
The scan highlights collections, lates, inquiries, utilization, duplicates, and mismatches.
Letters generate
Customer receives custom dispute letter drafts for items they believe may be inaccurate.
Upgrade support
Premium Assist clients get human review, packet prep, and follow-up organization.
Choose your path
Analyze, build, or let Northgate help.
Self-Service AI Tools
Get a report breakdown and letter drafts you can download, review, and use yourself.
- AI report summary
- Negative item breakdown
- Custom dispute letter drafts
- Action checklist
Credit Builder Plan
Build a responsible positive-credit strategy around utilization, payment habits, account mix, and long-term growth.
- Positive account strategy
- Utilization planning
- Tradeline education
- 90-day roadmap
Premium Assist
Apply for higher-touch human review, strategy, document organization, and follow-up support.
- Free application
- No report required to apply
- Human review
- Custom pricing after approval
What AI looks for
Spot the items that may need attention.
Collections
Collection accounts, duplicate collectors, balances, dates, and validation opportunities.
Late payments
Payment history issues and possible reporting inconsistencies.
Utilization
Balances, limits, maxed cards, and action steps for utilization pressure.
Inquiries
Hard inquiries, dates, and which items may need customer verification.
Charge-offs
Original creditor accounts, balances, dates, and dispute document angles.
Personal info
Addresses, names, employers, and mismatches that may create confusion.
Duplicates
Multiple accounts that appear connected or potentially duplicated.
Next steps
A prioritized action plan based on the customer’s goal.
Your next move matters
Know what your credit report says before lenders do.
Preparing for a car, apartment, home, personal funding, or business credit? Northgate helps customers stop guessing, understand the report, and move forward with a clearer plan.
Pricing
Start with AI. Build the right plan.
Give customers a clear entry point, a document option, a positive-credit roadmap, and a premium support path.
AI Credit Scan
Fast report analysis and plain-English breakdown.
- Upload 1 credit report
- AI report summary
- Negative item breakdown
- Basic action plan
AI Letter Kit
Analysis plus custom letter drafts.
- Everything in AI Scan
- Custom dispute letter drafts
- Bureau letter instructions
- Mailing checklist
Credit Builder Plan
A responsible roadmap for adding positive credit.
- Positive account strategy
- Utilization plan
- Tradeline education
- 90-day growth roadmap
Premium Assist
Free application. Custom service pricing starts at $399 after approval.
- No report required to apply
- Human review
- Strategy session
- Document organization
No guaranteed removals, approvals, score increases, rates, limits, or funding outcomes.
FAQ
Clear answers before they buy.
Do you guarantee removals or score increases?
No. Northgate does not guarantee removals, approvals, or score increases. Accurate and current negative information generally cannot legally be removed just because someone wants it removed.
What does the AI scan do?
It reviews the uploaded report, summarizes key accounts, highlights possible issues, and helps create draft letters for items the customer believes may be inaccurate, outdated, incomplete, or unverifiable.
Can customers do this themselves?
Yes. Customers have the right to dispute credit report errors on their own. Northgate sells tools, education, document preparation, and optional Premium Assist.
How do I upload my report?
Upload your credit report directly on the selected service product page using the Upload-Lift file field before adding the service to your cart.
What is Premium Assist?
Premium Assist is an application-based, higher-touch option. The application is free and no report is required to apply. Accepted customers receive the required service documents, custom pricing beginning at $399, and secure next steps.
Ready to stop guessing?
Turn your credit report into a plan.
Start with an AI Credit Scan or upgrade to Premium Assist if you want Northgate to help organize the process.