What do the numbers on my CreditRefresh dashboard mean?
Your dashboard's Overview section shows four tiles: Score improvement, Active campaign, Letters sent, and Items removed. These track your progress since you started, not a single day's activity. A "Score improvement" of 0 soon after signing up is expected, since results take weeks. "Letters sent" is usually higher than the number of items in dispute because one disputed item can produce letters to multiple bureaus and a creditor.
What the Overview tiles show
Your Home dashboard opens with a greeting and a Recommended actions card, followed by an Overview section with four tiles. Each tile tracks a running total, not a snapshot of today alone.
- Score improvement: points gained since you started using CreditRefresh, labeled "Points since you started."
- Active campaign: the number of dispute campaigns currently open, with a sublabel showing how many items are in dispute across them.
- Letters sent: the total dispute letters sent across all three bureaus (Equifax, Experian, TransUnion) so far.
- Items removed: how many disputed items have come off your report, all time.
Why letters sent is higher than items in dispute
These two numbers rarely match, and that is expected. One disputed item can generate more than one letter. An account you are disputing might need a letter to each of the three bureaus, plus a separate letter to the creditor or collector reporting it. So 6 items in dispute can easily produce 9 or more letters sent. See How do dispute campaigns and rounds work for how items map to letters within a round.
Reading the Your credit score card
Below Overview, the Your credit score card shows one score at a time, switchable by bureau tab (Equifax, Experian, TransUnion). It displays the current number, a change indicator like "+0" since the last update, and a "Last updated" date. A mini chart plots recent history on a 300 to 850 scale. For the full trend and a dated history table, see How does the Score & history page work.
Recommended actions and Active campaigns
The Recommended actions card surfaces your next step, such as tracking progress in the disputes tab while letters are out for a response. Below it, Active campaigns lists each open campaign with its status badge (Active, Resolved, or Closed) and last updated date, with a "View all" link to My disputes for the complete list.
Why score improvement can read 0
Seeing 0 points of improvement soon after you start is normal, not a sign anything is wrong. Bureaus generally have 30 days to investigate a dispute after receiving it, and any resulting update to your file and score takes time to show up after that. Items removed and score improvement typically move only after a round completes and a bureau responds. For realistic timing, see How long until I see results.
Related articles
CreditRefresh is an app that uses AI to find errors and FCRA violations on your credit reports, then drafts custom dispute letters to Equifax, Experian, and TransUnion. It pulls your reports automatically, flags inaccurate balances, outdated items, and reporting that violates federal law, and tracks each bureau's 30-day response. You approve every letter before it's sent.
Setup takes minutes, and the AI can flag errors and draft letters the same day you connect your reports. Once a letter is sent, each bureau has 30 days under FCRA Section 611 to investigate, so first outcomes usually land within about a month. Some items resolve in one round, others take several, and some cannot be removed. No tool can promise a specific score change.
Score & history shows your score for each bureau (Equifax, Experian, TransUnion) with a 300 to 850 gauge, a "Last updated" date, and a History table logging every past report sync. Small differences between the three scores are normal since each bureau keeps its own file. CreditRefresh does not label which scoring model is shown; it is the score provided through your credit monitoring. A new row appears in History only when a fresh report syncs.
A dispute campaign groups every item you are disputing around one event, and each campaign contains one or more rounds, one round per wave of letters you send. The My disputes tab lists your campaigns with counters for Resolved, In Review, and Awaiting items, plus a "Next:" line telling you the recommended next step. From a campaign you can rename it, mark it resolved, close it, delete it, or add another round. Add a new round after a bureau responds to your last one, or after the response window has passed with no reply.