Free tool
Dispute letter builder
Answer the questions, then print, sign and mail your letters. Everything stays on this device. We never see it.
Your letters are ready
Your letters are in English, because the credit bureaus and companies read English. Here is what each one says:
- Print them. Write your date of birth and Social Security number by hand where it says, then sign and date each one.
- Attach copies (never originals): your photo ID, a recent bill or bank statement showing your address, and anything that proves the error. Circle the error on a copy of the report.
- Mail each one certified mail, return receipt requested at the post office. Keep the receipt and a copy of everything.
- Add each letter to the tracker below with the mailing date.
30-day tracker
Bureaus usually have 30 days from when they get your dispute (45 days if you sent it after getting your free annual report, or added more information). Saved only on this device.
| Letter to | Mailed | Answer due (about) | Status |
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No letters tracked yet.
No answer by the due date, or "verified" and you still disagree? Send the "how did you check" letter (type 5 above), add a short statement to your file, or file a complaint at consumerfinance.gov/complaint.