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ARQS Credit Intelligence Workbench turns your own credit report into a worksheet for $49

AP-116 calculates utilization and account age from figures the user supplies and builds dispute-letter templates with blanks left blank.

A credit card in a payment terminal. Card payments and balances feed the credit files the ARQS Credit Workbench reads.

ARQS has opened Stripe checkout for its Credit Intelligence Workbench, catalogued as AP-116, at US$49 one time with no subscription.

The workbench starts from a credit report the buyer already has. Users paste text or upload a .txt, .docx or digital PDF; the product page says a scanned image with no text layer is left blank and that nothing is filled in for the user.

From the tradelines entered, the workbench calculates revolving utilization and account age, and builds a package with a summary, a what-if view for paying down or removing an account, an action list and dispute-letter templates. Where the user did not supply a fact, the template keeps a blank. PDF and DOCX files are built in the browser after a verified payment.

ARQS lists a commercial band of $19 to $49 but says only the full $49 workbench is offered; a $19 lite unlock is not active. The page also says there is no Shopify listing for AP-116 yet, and that the tool is not legal advice.

Details and checkout are on the Credit Intelligence Workbench product page.

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