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A Better Credit Score Starts Here.
Repair Your Credit. Improve Your Score. Strengthen Your Future.
Tap what's hurting your credit, see the exact letter we'll write, and start today, free.
Write my free letter Not sure what's wrong? Start with the 6-step guideFCRA § 611To: Equifax · Experian · TransUnion
Re: Dispute of inaccurate payment history
I dispute the late payment reported on my XYZ Bank account for March 2025. I paid on time, and my bank statement is enclosed. Please correct this information.
Sincerely,Certified mail · Return receipt
Letters are written in English, because the credit bureaus read English. We explain each one in your language.
Really were late? Then it's accurate, and we won't dispute it. We'll write a goodwill letter asking the lender to remove it as a courtesy.
- $0Letter builder, tracker and guides
- 0Things the letter builder sends us. Your answers stay on your device
- 6Letter types built on federal law (FCRA, FDCPA)
- 30-dayDeadline tracker for every letter
You can dispute errors yourself for free. No one can legally remove accurate, current information from a credit report, and we never promise a score or a removal. Not a law firm; not legal advice.
One place for everything
Everything your credit needs, in one place
Most tools are free and work today, in all 50 states. The AI check needs a free account.
Dispute letters
Letters for Equifax, Experian, TransUnion, lenders and collectors, built on federal law and ready to sign.
Build my letters →Ask AI, 24/7
Questions at 2 a.m.? Our AI explains credit reports, collectors and your rights in 7 languages.
See common questions →Mail it for me
Certified mail with a return receipt, sent from our site. No printer, no stamps, no post office line.
How it will work →Deadline tracker
Every letter gets a due date. See when each bureau must answer, and what to do if they don't.
Open the tracker →Guides and free help
Step-by-step guides and a list of free, trusted help in every state.
Read the guides →How it works
From report to results in four steps
- Step 1Get your free reportsDownload all three at annualcreditreport.com, the official free site.
- Step 2AI finds what's wrongOur AI reads every account and flags possible errors: wrong balances, old debts, duplicates, accounts you don't recognize.
- Step 3You approve every letterYou decide what's really wrong. We write the letters; nothing goes out without your OK.
- Step 4Mail and trackMail them yourself for free, or soon let us send them certified. Then track every answer.
Why First Line
Help you can trust
HonestWe only dispute what's wrong, incomplete or can't be verified. No tricks, no false claims.
PrivateSocial Security and account numbers are hidden before anything leaves your device. We don't sell your data.
Your languageEnglish, Español, 中文, Tiếng Việt, Tagalog, 한국어 and Русский.
Built on the lawEvery letter uses your rights under the FCRA and FDCPA, with certified-mail proof when it counts.
What we'll never do
- Charge you before the work is done
- Promise a score or a removal
- Dispute information you say is accurate
- Tell you to use a CPN or a "new credit identity"
- Sell your personal information
Anyone who does these things may be breaking federal law. Report scams at reportfraud.ftc.gov.
Ready to start? It's free.
See what's on your report today. You stay in control of every letter.