Letters that get results
Fix errors yourself — no credit repair company needed

There's an error on your credit report.
Send the letters that fix it.

Answer 8 quick questions and get a complete FCRA dispute sequence — the bureau dispute letter with the correct verified mailing address, the direct dispute to the creditor reporting it, and the 30-day escalation letter — plus the exact checklist of what to attach. Ready in 2 minutes.

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First letter free · Full dispute kit $19 one-time · No account needed

Letter 1 · Day 1The bureau dispute that starts the legal 30-day clock.
Letter 2 · Day 1The direct dispute to the creditor reporting the error.
Letter 3 · Day 35+The escalation demanding deletion of anything unverified.

Build your dispute letters

Nothing is uploaded — your letters are generated right on this page.

Letter 1 — The Bureau Dispute

Send now, certified mail

Unlock the full dispute kit

The bureau letter starts the clock. The creditor letter and the escalation letter are what get stubborn errors deleted.

  • Letter 2: direct dispute to the creditor reporting the error
  • Letter 3: 30-day escalation demanding deletion of unverified items
  • Verified mailing addresses for all three bureaus
  • The exact attachment checklist (what to send, what never to send)
  • Your timeline: the 30/45-day investigation windows, explained
  • CFPB escalation steps if the bureaus blow you off
  • Print / save as PDF, unlimited edits, lifetime access on this device
$19

One-time. Credit repair companies charge $79–$150 per month for this.

Unlock the full kit →

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Letter 2 — The Creditor (Furnisher) Dispute

Send the same day as Letter 1

🔒 Unlock to see your full creditor dispute letter.

Letter 3 — The Escalation

Send if 30–45 days pass without a fix

🔒 Unlock to see your escalation letter.

Your Playbook — Addresses, Attachments & Timelines

Read before mailing anything

🔒 Included in the $19 kit.

How to dispute a credit report error (and win)

Under the Fair Credit Reporting Act, disputing an error is free, you can do it yourself, and the credit bureau is legally required to investigate — generally within 30 days — and to delete anything it cannot verify. The process that works:

  1. Dispute with the bureau in writing (Day 1). A mailed, certified letter creates the paper trail online forms don't. The bureau must forward your dispute to the creditor within 5 business days and finish its investigation within 30 days (45 in some cases).
  2. Dispute with the creditor at the same time. The company reporting the error has its own legal duties: it must investigate, correct what's wrong, and flag the account as disputed. Hitting both at once closes the loop where errors hide.
  3. Escalate if the window passes. If the error isn't fixed, demand deletion of unverified information, ask how it was "verified," add a statement of dispute to your file, and file a complaint with the CFPB.

Do written disputes actually work?

Yes — inaccurate or unverifiable information must be deleted or corrected by law. The most common failure isn't the law; it's disputes that are vague, missing documentation, or sent to the wrong address. That's exactly what this kit fixes.

Do I need a credit repair company?

No. Credit repair companies can't do anything you can't do yourself for free, and the CFPB has repeatedly warned about the industry. This kit gives you the same letters — for one payment of $19, not a monthly subscription.

Good to know: you can get your credit report from all three bureaus free every week at annualcreditreport.com — the only federally authorized source. Check all three; errors often appear on only one.

Credit Dispute Letters provides self-help document templates and general information, not legal advice, and is not a law firm, a credit repair organization, or a substitute for an attorney. You can dispute credit report errors yourself for free without this product. Laws and procedures change — verify current rules at consumerfinance.gov before relying on them.