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You can dispute errors on your credit report yourself, for free. No one can legally remove accurate, current information from your credit report. We never promise a score or a removal. We are not lawyers and do not give legal advice.

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Mail Center

Pick a letter, tick what we're challenging, check it, then send it certified from your own site. Printed and mailed by PostGrid.

1. From (your return address)

First nameLast name

Company (if any) StreetApt / suite (optional)

CityStateZIP

2. Find what's wrong (AI)

Upload the credit report or the collector's letter (PDF), or paste the text. The AI lists possible problems; tick the ones that are really wrong and it writes the letter. Social Security and long account numbers are hidden before it's sent; nothing is saved.

Choose PDF filesRead on this device first

3. What kind of letter?

What we can challenge

Tick only what's true for you. We never dispute accurate information.

Company on the reportLast 4 of account (optional)Balance shown (optional)

Anything specific (optional, goes in the letter)

Date of birth (bureau letters)Last 4 of SSN (bureau letters)

Bureaus use these to find your file. They're printed in the letter and not saved by us. For a mailed dispute, bureaus may also ask for a copy of your ID and a bill; upload a PDF that includes them if you have it.

4. The letter

Short name for your records Letter text (edit anything) …or upload a PDF instead (keeps its own layout)

5. To

Pick a saved address

First nameLast name

Company (if any) StreetApt / suite (optional)

CityStateZIP

6. How to mail it

Sent mail

Date	To	Type	Status	Tracking

Nothing sent yet.

Mail Center

1. From (your return address)

2. Find what's wrong (AI)

3. What kind of letter?

What we can challenge

4. The letter

5. To

6. How to mail it

7. Check and send

Sent mail