Will this hurt my credit?

Disputing inaccurate items can only help. Credit bureaus are required to investigate within 30 days, and inaccurate items must be removed or corrected.

Do I need an account to start?

No. You can fill out the form and generate a draft for free. You only pay when you want to unlock and download the final letter.

How much does it cost?

Downloading a letter is a flat $2 — any dispute type. Want it sent for you? $8 covers printing and USPS Certified Mail with tracking. Subscription plans are also available if you expect to send several letters.

Will this letter actually work?

A well-written, specific letter — citing the right rules and a clear desired outcome — dramatically increases your odds. We can't guarantee any particular result, but a real letter beats silence every time.

Finance

Credit Report Dispute

Force a bureau to reinvestigate an inaccurate item under the FCRA.

Answer a few plain-English questions and we'll generate a professional letter addressed to your credit bureau — citing the right rules, in the right tone, ready to send. No account needed to start.

Cites FCRA § 1681i — 30-day reinvestigation window
Bureau must delete unverifiable items

STEP 1

Answer questions

A short guided form — about 3 minutes.

STEP 2

Create free account

Your first letter is on us — no credit card.

STEP 3

Download & send

PDF or DOCX, formatted and ready to mail.

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Finance

Credit Report Dispute

Question 1 of 714%

Who are you fighting?*

The person, company, or agency this letter is addressed to.

✓ Cites FCRA § 1681i — 30-day reinvestigation window

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Live preview — updates as you type

[date]

[recipient name]
[recipient address]

Re: Formal Dispute Under the Fair Credit Reporting Act — 15 U.S.C. § 1681i

To Whom It May Concern:

I am disputing the following item on my credit report as inaccurate or unverifiable:

[item description]

Facts:
[facts]

Requested resolution:
[desired outcome]

Pursuant to 15 U.S.C. § 1681i, please reinvestigate this item within thirty (30) days, delete or correct any item that cannot be verified, and send me written confirmation of the result along with an updated copy of my credit report.

Sincerely,

[user full name]
[user address]

This is your live draft. When you finish the questions, our AI rewrites it into a polished, statute-cited letter — then you create a free account to save and download it.Your first letter is free. No credit card.

Frequently asked

Will this hurt my credit?: Disputing inaccurate items can only help. Credit bureaus are required to investigate within 30 days, and inaccurate items must be removed or corrected.
Do I need an account to start?: No. You can fill out the form and generate a draft for free. You only pay when you want to unlock and download the final letter.
How much does it cost?: Downloading a letter is a flat $2 — any dispute type. Want it sent for you? $8 covers printing and USPS Certified Mail with tracking. Subscription plans are also available if you expect to send several letters.
Will this letter actually work?: A well-written, specific letter — citing the right rules and a clear desired outcome — dramatically increases your odds. We can't guarantee any particular result, but a real letter beats silence every time.

Make your case stronger

Optional add-ons if your letter is ignored.

Follow-Up Letter$2

Second-round letter when your first demand is ignored.

Evidence Toolkit$3

Timeline builder, expense log, and exhibit checklist.

Full Fight Bundle$25

6 letters + 30-day pressure campaign: demand, follow-up, final notice, BBB complaint, AG complaint, and cease & desist.

Escalation Pack$5

Attorney Review$65

A licensed attorney reviews your demand letter and provides feedback within 48 hours.

Court Filing Kit$50

Pre-filled court forms, complaint template, evidence worksheet, and step-by-step filing instructions for your state.

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Dispute Engine is not a law firm and does not provide legal advice. Documents are for informational and self-help purposes only. This does not create an attorney-client relationship. For legal advice specific to your situation, consult a licensed attorney in your jurisdiction.