The Complete Operator Workflow
From lead to scaling.
Follow a real client journey through Operator OS. See how leads convert, reports parse, AI strategizes, letters generate, rounds process, responses classify, and analytics drive decisions. Every step, every decision point, every system intelligence moment.
Enter your company name to see it throughout the tour
Leads Arrive Through Your Portal
Lead intake form captures contact information and credit score range. System automatically categorizes leads and triggers nurturing workflows.
Leads land on your white-labeled portal from your marketing channels. They fill out intake forms, provide contact information, and express interest in credit repair services. System Intelligence captures lead data and begins nurturing workflows automatically.
Operator Notes
Your white-label portal captures leads automatically. System Intelligence begins nurturing immediately—no manual setup required.
System Intelligence
- •Automatic lead categorization (high-intent, research, price-shopping)
- •Email nurturing sequence triggered
- •Lead scoring begins
- •Conversion tracking initialized
Specialist Mode Integration
N/A - Lead capture is Operator-controlled.
Lead Intake Form
Lead Converts to Client
Client completes onboarding with identity verification. Document AI validates uploaded documents automatically.
Lead decides to proceed and creates an account in your portal. They complete intake questionnaires, provide identity verification documents, and agree to terms. System Intelligence validates information, checks for duplicates, and prepares client profile for credit report upload.
System Intelligence
- •Automatic identity verification via Document AI
- •Duplicate client detection
- •Intake completion tracking
- •Client profile creation
- •Journey stage: Portal Login → Credit Report Uploaded
Specialist Mode Integration
N/A - Intake is Operator-controlled.
Client Portal Onboarding
Completed
Document verified
In progress
Client Uploads Credit Report
Credit report upload triggers Document AI parsing. System extracts 23 accounts across 3 bureaus.
Client uploads their credit report (PDF or image). System Intelligence processes the document using Google Cloud Document AI, extracts account data, identifies negative items, and parses bureau information. Upload status updates in real-time.
System Intelligence
- •Document AI OCR extraction
- •Account data parsing (creditor, balance, status, dates)
- •Negative item identification
- •Bureau assignment (Equifax, Experian, TransUnion)
- •Report metadata extraction
- •Journey stage: Credit Report Uploaded → Ai Analysis Complete
Specialist Mode Integration
N/A - Report parsing is fully automated.
Drag & Drop Credit Report
Or click to upload
Supported: PDF, JPG, PNG
System Intelligence Analyzes Report
Generated Round 1 plan · 12 items across 3 bureaus · Estimated impact: +45 points potential
AI analyzes the parsed credit report. Identifies dispute opportunities, categorizes negative accounts, suggests dispute strategies, and flags compliance considerations. Shown on the right: CreditReportAnalysisDisplay component with credit score, negative accounts list, bureau breakdown, and dispute potential analysis.
Operator Notes
System Intelligence analyzes every report automatically. You can review AI recommendations in your dashboard or let clients proceed directly to account selection.
System Intelligence
- •AI-powered credit report analysis
- •Dispute opportunity identification
- •Account categorization (collections, late payments, charge-offs, etc.)
- •Dispute strategy generation
- •Compliance risk assessment
- •Journey stage: Ai Analysis Complete → Negative Accounts Selection
Specialist Mode Integration
Optional: Flag complex reports for specialist review before account selection. UI: [Flag for Specialist Review] button appears if AI confidence is low or report complexity is high.
Compliance Review Complete
Your Operator has reviewed your credit report for FCRA compliance and identified accounts requiring attention
Negative Accounts Detected
Capital One
Collection Agency
Bank of America
Ready to Dispute These Items?
Your Operator has identified 3 negative accounts that can be disputed. With 2 high-priority items, you could potentially increase your credit score by up to 45 points.
Client Selects Accounts to Dispute
Client selects 3 accounts for Round 1 dispute. System tracks selections and calculates estimated impact.
Client reviews AI analysis results in their portal. They select which negative accounts to dispute in Round 1. System Intelligence provides recommendations, but client makes final selections. Shown on the right: NegativeAccountList component with checkboxes, account details, bureau badges, and impact scores. Selected accounts move to dispute justification stage.
System Intelligence
- •Account selection tracking
- •Dispute round assignment
- •Client decision logging
- •Journey stage: Negative Accounts Selection → Dispute Justification
Specialist Mode Integration
N/A - Account selection is client-controlled.
Select Accounts to Dispute
Credit Card • $1,234 • Impact: +15 pts
Collection • $567 • Impact: +20 pts
Charge-Off • $2,345 • Impact: +10 pts
3 Accounts Selected • Estimated Impact: +35 Points
Client Provides Dispute Reasons
Client provides FCRA-compliant justifications for each selected account. System validates and prepares for letter generation.
Client provides justification for each selected account. They explain why they're disputing (not mine, incorrect balance, incorrect dates, etc.). Shown on the right: ProgressiveJustifications component with step-by-step justification flow, type selection dropdown, text editor, and validation. System Intelligence captures justifications and prepares them for letter generation. Compliance rails ensure justifications are FCRA-compliant.
System Intelligence
- •Justification validation (FCRA compliance)
- •Dispute reason categorization
- •Letter generation preparation
- •Journey stage: Dispute Justification → Letters Generated
Specialist Mode Integration
N/A - Justification is client-provided.
Add Your Story
Next: Provide a dispute reason and details for each selected account.
Capital One
Account Type
Credit Card
Balance
$1,234
Start typing your story...
0 characters
Account 1 of 2
2 remaining
Pro Tip
Be specific and honest. Your story makes these letters more compelling and effective. After you complete all accounts, Your Operator will prepare sample personalized letters to show you the quality.
AI Generates Dispute Letters
Drafting letters using your dispute profile and compliance rails. 3 letters generated for Round 1.
System Intelligence generates FCRA-compliant dispute letters for each selected account. Letters are customized with client information, dispute justifications, and account details. Shown on the right: SampleLettersPreview component displaying letter cards with preview, recipient information, and personalization breakdown. Letters target appropriate recipients (bureaus or creditors) based on account type and dispute strategy.
Operator Notes
All letters are FCRA-compliant by default. System Intelligence ensures proper recipient targeting and legal language. You can flag letters for specialist QA if you want an extra review layer.
System Intelligence
- •AI-powered letter generation
- •FCRA compliance checking
- •Recipient assignment (bureau vs. creditor)
- •Letter template selection
- •Client data integration
- •Journey stage: Letters Generated → Letters Preview
Specialist Mode Integration
Optional: Flag letters for specialist QA before client preview. UI: [Flag for Specialist QA] button appears in Operator Dashboard. Specialist reviews letters, suggests improvements, returns for approval.
Your Compliance-Ready Dispute Letters
Your Operator's compliance infrastructure has prepared 2 personalized dispute letters using your account details and legal justifications. Each letter is built on FCRA-compliant rails and ready for Your Operator's expert compliance review.
Compliance Infrastructure at Work
These 2 letters represent Your Operator's compliance infrastructure in action. Each letter is generated using your specific account details, personalized justifications, and FCRA-compliant legal frameworks. This isn't template-based correspondence—it's infrastructure that ensures every communication meets regulatory standards while maximizing your dispute's effectiveness.
Below, you'll see how your personal story and account details have been woven into legally sound dispute letters. Each letter undergoes Your Operator's expert compliance review to ensure accuracy, clarity, and regulatory alignment before final approval.
Expert Review in Progress: Your Operator's compliance team is performing a final review of each letter for legal accuracy, regulatory compliance, and strategic effectiveness. Once approved, you'll receive them for final authorization before certified mailing.
Compliance-Ready Letters (2)
Dispute Letter 1
To: Equifax • Account: N/A...
Your Personalized Account Details
Strategically integrated into this dispute letter
"Not my account"
Your personal account details and justifications have been strategically integrated to maximize dispute effectiveness while maintaining FCRA compliance
Dispute Letter 2
To: Experian • Account: N/A...
Your Personalized Account Details
Strategically integrated into this dispute letter
"Incorrect balance"
Your personal account details and justifications have been strategically integrated to maximize dispute effectiveness while maintaining FCRA compliance
Complete Dispute Package
1 additional account will be processed through Your Operator's compliance infrastructure, generating personalized dispute letters with the same level of legal precision and regulatory alignment you see in these samples.
Comprehensive Coverage
Personalized dispute letters for all 3 accounts, each built on compliance rails
Certified Delivery
Professional mailing with full tracking and delivery confirmation
Expert Compliance Review
Each letter reviewed by Your Operator's compliance team for legal accuracy and strategic effectiveness
Regulatory Alignment
Built on FCRA-compliant infrastructure, ensuring every communication meets regulatory standards
Authorize Your Operator's Compliance Infrastructure
Complete payment to authorize Your Operator's compliance team to finalize your dispute round through expert review, regulatory verification, and certified mailing
Client Reviews and Approves Letters
Client reviews and approves all 3 letters. System prepares round for payment processing.
Client previews generated letters in their portal. They can request edits, approve letters, or flag concerns. Once approved, letters move to payment processing. System Intelligence tracks approval status and prepares round for delivery.
System Intelligence
- •Letter approval tracking
- •Edit request handling
- •Round compilation
- •Payment trigger preparation
- •Journey stage: Letters Preview → Paywall Triggered
Specialist Mode Integration
If letters were flagged for specialist QA, specialist review notes appear here. UI: "Specialist QA Complete - 2 compliance suggestions" badge. Operator can review specialist notes before client sees letters.
Round 1 Letter Preview
Dear Equifax, I am writing to dispute the following account...
Dear Experian, I am writing to dispute the following account...
Client Completes Payment
Client completes Round 1 payment ($497). Payment processed securely via Authorize.Net.
Client pays for Round 1 via secure payment processing. Payment amount is set by you (Operator). System Intelligence processes payment, updates client status, and triggers round delivery workflow. Payment history tracked in Operator Dashboard.
System Intelligence
- •Secure payment processing
- •Revenue split calculation (based on Flight Path tier)
- •Payment confirmation
- •Round activation
- •Journey stage: Paywall Triggered → Payment Complete → Operator Review
Specialist Mode Integration
N/A - Payment is Operator-controlled.
Round 1 Payment
Round 1 Dispute Service
Operator Reviews and Approves Round
Round appears in Operator Dashboard approval queue. Review letters, verify compliance, approve for delivery.
Round appears in your Operator Dashboard approval queue. You review letters, check compliance, verify client information, and approve round for delivery. Shown on the right: RoundReview UI with letter previews, approval actions, and round-level controls. This is your final control point before letters go to clients and then to bureaus/creditors.
Operator Notes
This is your final control point. Review letters, verify compliance, approve rounds. Every action is logged in your audit trail. Nothing reaches clients without your approval.
System Intelligence
- •Approval workflow tracking
- •Compliance verification
- •Round status updates
- •Delivery trigger preparation
- •Journey stage: Operator Review → Consent Form Approval
Specialist Mode Integration
If round was flagged for specialist prep, specialist notes appear here. UI: "Specialist Round Prep Complete - Strategy notes attached" badge. Operator reviews specialist work and approves or modifies.
Round 1 Review Queue
Client: John Doe • 3 Letters
Letters Sent for Physical Delivery
Letters sent via Click2Mail. Tracking number assigned. Expected delivery: 5-7 business days.
Approved letters are sent for physical delivery. System Intelligence generates PDFs, uploads address lists, creates mailing jobs, and tracks delivery status. Clients receive tracking information in their portal.
System Intelligence
- •Automated mailing service integration
- •PDF generation
- •Address list compilation
- •Mailing job creation
- •Tracking number assignment
- •Delivery status updates
- •Journey stage: Consent Form Approval → Click2mail Tracking → Active Client
Specialist Mode Integration
N/A - Delivery is fully automated.
Mailing Status
Tracking Number: C2M-123456
Expected Delivery: 5-7 Business Days
Bureau Responses Arrive and Get Classified
23 responses received and classified. 8 deletions confirmed. Credit score updated. Round 2 recommended.
Bureau and creditor responses arrive via mail or electronic delivery. System Intelligence (or specialists) classifies responses—deletions, verifications, updates, or escalations. Responses update client credit reports, trigger Round 2 preparation, or flag escalations for Operator review.
System Intelligence
- •Response classification (AI or manual)
- •Credit report update tracking
- •Round 2 trigger logic
- •Escalation flagging
- •Client notification automation
- •Journey stage: Active Client → (round 2 cycle begins)
Specialist Mode Integration
Optional: Flag responses for specialist classification. UI: [Flag for Specialist Classification] button. Specialist analyzes responses, classifies outcomes, provides strategic guidance. Returns classified responses with recommendations for Round 2.
Bureau Responses
Account removed from credit report
Additional documentation required
Balance corrected
8 Deletions Confirmed • Credit Score Updated • Round 2 Recommended
Beyond Round 1: Analytics & Scaling
After Round 1, Operator OS continues tracking client progress, analyzing conversion funnels, monitoring round performance, and surfacing optimization opportunities. System Intelligence provides actionable insights for scaling your credit business.
Key Analytics Surfaces
- • Conversion Health Dashboard: Lead-to-client conversion rates, drop-off points, optimization opportunities
- • Round Performance: Deletion rates, verification rates, average rounds per client
- • Client Lifecycle: Active clients, churn risk, expansion opportunities
- • Revenue Analytics: Flight Path tier progression, revenue split, client LTV
System Intelligence
- • Conversion funnel analysis
- • Round performance tracking
- • Client health scoring
- • Churn prediction
- • Revenue optimization insights
Conversion Health Dashboard
See Every Funnel Stage
Track lifecycle stages, conversion rates, and email engagement in real-time. Identify bottlenecks and optimize operations with precision.
Conversion Health
Last 30 days
Lead Counts by Lifecycle State
Conversion Rate Funnel
Email Engagement by Lifecycle State
Funnel Drop-off Points
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