DRAP (Dispute Resolution Action Plan)
The Dispute Resolution Action Plan (DRAP) is the nine-section forensic dossier Pinnacle Credit Repair produces from its ACAT analysis. It maps each disputable item to the specific FCRA provisions involved — Sections 609, 611, and 623 — and the documentation and strategy for challenging it.
Why it matters in credit repair
The DRAP turns raw analysis into an actionable, evidence-backed plan. Because each item is tied to a specific legal basis and documentation rather than a generic dispute, the resulting challenges are harder for furnishers and bureaus to dismiss.
How it appears on a credit report
The DRAP is a client deliverable, not a credit-report entry. It is produced after the ACAT analysis and precedes the Pre-Litigation Roadmap when enforcement is warranted.
Example
A DRAP documents a re-aged collection under FCRA 611, a furnisher's unverifiable balance under 623, and a cross-bureau inconsistency under 607(b), each with the evidence needed to dispute it.
Common misunderstanding
A DRAP is not a guarantee of deletion. It is a forensic plan; outcomes depend on the facts of each file, furnisher responses, and bureau investigations, and accurate, verifiable information cannot be removed.
Related terms
- ACAT (Automatic Credit Analytic Technologies)
- Pre-Litigation Roadmap
- FCRA 623 (Furnisher Responsibilities)
- FCRA 611 (Reinvestigation)
- credit repair services
See where your file stands
Pinnacle's free credit diagnosis returns a written verdict within 48 hours.
Pinnacle Credit Repair does not guarantee the removal of accurate, timely, and verifiable information. Results vary based on the facts of each credit file, creditor responses, bureau investigations, documentation, and applicable law.
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