Credit bureaus must reinvestigate anything you dispute within 30 days and delete what they can't verify. The lender that reported it has its own duty to investigate. Most people dispute online with one click and get a form-letter 'verified'. Paste the item and what's actually true. You get the two letters — certified mail, with proof — and the dates computed.
Free dispute
Copy the tradeline: creditor name, account number (partial), status, balance, dates. Then say what's wrong and what proof you have.
Why this exists
The FCRA's 30-day clock, the furnisher's duty to investigate, and the rule that unverifiable items come off — they all work best on certified paper with the evidence attached.
How it works
The tradeline as shown, what's wrong, what proof you have.
The bureau letter (§611) and the furnisher letter (§623), each citing the rule, each listing the attachments, with the 30-day date computed from your send date.
Certified mail, copies of proof (never originals), the CFPB complaint if they 'verify' without looking, and the 100-word statement if it comes to that.
Plans
For one person. Credit unions, housing counsellors and lenders license it.
Both letters for every bureau you chose, the evidence checklist, a follow-up letter for day 31, the CFPB complaint steps, the 100-word consumer statement, and a tracking calendar.
Branded dispute tool for members and clients.
All prices in USD, handled by Stripe. The free dispute never goes behind a paywall.
Common questions
No. Credit Report Dispute drafts FCRA disputes based on the Fair Credit Reporting Act, Regulation V and CFPB guidance, but it is not legal advice and cannot see your full credit report. Check the specifics with a consumer attorney if you're unsure, especially if you're considering damages for a willful violation.
Yes, the tool is free and offered in English and Spanish, with no plans or prices listed. The material doesn't say whether what you paste is stored; what it does say is to send copies of your proof, never originals, and to use certified mail with return receipt.
You get two letters: one to the credit bureau (Equifax, Experian or TransUnion) and one to the lender or collector that reported the item. The tool also tells you the rule the item breaks, the 30-day reinvestigation deadline computed, and what proof to attach.
Under the Fair Credit Reporting Act, credit bureaus must reinvestigate anything you dispute within 30 days and delete what they can't verify; the tool computes that date for you. The lender or collector that reported the item has its own separate duty to investigate, which is why the tool also drafts a letter to them.
The material tells you what to do if the bureau 'verifies' the item anyway as part of the output, though the specifics aren't detailed in this summary — you'd need to run your dispute through the tool to see that step. It also warns never to pay a 'credit repair' company, since the law gives you the same tools for free; for willful violations, FCRA damages and fees are available through a consumer attorney.
No. Credit Report Dispute redacta disputas conforme a la Fair Credit Reporting Act, Regulation V y la guía del CFPB, pero no es asesoría legal y no puede ver el informe de crédito completo del usuario. Si tiene dudas, consulte con un abogado de consumidores, especialmente si está considerando daños por una violación intencional.
Sí, la herramienta es gratuita y está disponible en inglés y en español, sin planes ni precios indicados. El material no especifica si lo que usted pega se almacena; lo que sí indica es enviar copias de sus pruebas, nunca los originales, y usar correo certificado con acuse de recibo.
Usted recibe dos cartas: una para el buró de crédito (Equifax, Experian o TransUnion) y otra para el prestamista o cobrador que reportó el ítem. La herramienta también le indica la regla que se está incumpliendo, la fecha límite de 30 días para la reinvestigación ya calculada, y qué pruebas anexar.
Según la Fair Credit Reporting Act, los burós de crédito deben reinvestigar cualquier cosa que usted dispute dentro de 30 días y eliminar lo que no puedan verificar; la herramienta calcula esa fecha por usted. El prestamista o cobrador que reportó el ítem tiene su propia obligación separada de investigar, por eso la herramienta también redacta una carta para ellos.
El material indica que la herramienta le informa qué hacer si el buró 'verifica' el ítem de todas formas, aunque los detalles específicos no se describen en este resumen — tendría que generar su disputa en la herramienta para ver ese paso. También advierte que nunca pague a una compañía de 'reparación de crédito', porque la ley le da las mismas herramientas de forma gratuita; para violaciones intencionales, los daños y honorarios bajo la FCRA están disponibles a través de un abogado de consumidores.
Built by the same team, free to try.