Common questions
Straight answers, no hype.
Can you remove late payments that really happened?
Not by disputing them. Accurate, current information can stay on your report for up to 7 years. You can send a goodwill request asking the lender to remove it, but they don't have to.
Will this raise my score?
Maybe, if errors are fixed. We never promise a score or a result, and anyone who does is breaking the law.
What is a CPN? Should I use one?
No. A "CPN" or "new credit identity" is often a stolen Social Security number. Using one is a federal crime.
Do I have to pay to use the letter builder?
No. It's free, and nothing you type is sent to us.
Should I dispute online or by mail?
Either works. Mail with certified, return receipt gives you proof of what you sent and when.
What if the bureau says the item was verified?
You can ask how it was verified (letter type 5), dispute directly with the lender, add a statement to your file, or file a CFPB complaint.
Do you give legal advice?
No. If a creditor sues you or you think your rights were violated, talk to a consumer lawyer or free legal aid.