Solution: A guided platform with five core features: (1) Free pull of both ChexSystems and Early Warning Services reports with plain-English explanations of every code and entry; (2) Dispute letter generator tailored to each specific entry type — wrongful account closure, paid-off charge-off, identity theft, time-barred entry; (3) Bank approval matrix showing which 'second-chance' banks accept applicants with specific types of ChexSystems entries; (4) Resolution tracker that monitors dispute submissions and follow-ups across both reporting agencies; (5) Educational content explaining banking rights, EFTA protections, and how to maintain clean banking history going forward. ICP: Adults aged 22–55 who have been denied a basic checking or savings account and don't know why. The denial letter mentions 'ChexSystems' or 'Early Warning Services' but they have never heard of these, can't easily get their report, and don't know what to do with it once they have it. They are stuck using prepaid cards, check cashers, and payday lenders — paying $500–1,500 annually in fees to live without a bank account. The cause might be a single $30 overdraft from 2019, a dispute with a credit union that escalated, or a parent who opened accounts in their name and abandoned them.

The deposit-account focus is the entire moat — every credit repair company is focused on FICO scores; this is the only product focused on deposit account reporting. The bank approval matrix is the killer feature: showing the user 'with your current ChexSystems entries, here are 12 banks that will approve you today, and here are 8 more that will approve you after you resolve this specific entry' converts immediately. Most users have no idea second-chance banks exist.

“Similar to how Lexington Law and Credit Karma built businesses specifically around the three main credit bureaus — but for the parallel reporting infrastructure (ChexSystems and EWS) that has been completely ignored. The infrastructure exists; the consumer-facing layer has not been built.”