Interactive tool

Dispute Letter

Draft a clean, accurate dispute letter to the credit bureaus. It assembles as you type, cites your rights under the Fair Credit Reporting Act, and asks for an investigation. Free, unlimited, and never saved.

About you

This is the return address and identity on the letter, exactly as it should read.

Full name Street address

City State ZIP

Last 4 of SSN optional Bureaus use this to match your file. Last four only, and it goes into your letter, never to us. Date of birth optional Another way for the bureau to match your file.

The item you are disputing Account or creditor name Use the name as it appears on your credit report. Account number optional Include it if you have it. It helps the bureau find the exact item.

What is wrong with it?

Pick the closest reason. Each one writes a different letter.

This account is not mine Say plainly that you never opened or authorized it. The amount is wrong Note what the balance or amount actually should be. The dates are wrong Which date is off: opened, last activity, or first delinquency? It is already paid or closed State that it is paid or settled and how it is misreported. It is a duplicate Point out the same debt appearing more than once.

In your own words, what is inaccurate? Cite the specific inaccuracy. A specific claim is harder for a bureau to dismiss as too vague. I am enclosing documents that support this dispute

Send to which bureaus?

Dispute with each bureau that shows the item. You get one addressed letter per bureau.

Equifax Experian TransUnion

Your privacy

Nothing you enter is saved or sent to us. It stays in your browser and disappears when you close the tab.

Your SSN, if you add it, goes into your letter only. We never receive it.

Copy pastes straight into an email or a document. Download PDF opens your print dialog.

Fill in the fields and your letter appears here.

Your letter, editable

You can edit the text above before you copy or download it.