Select the negative items. Pick the reason. Get a dispute letter with the right legal citations, ready to send. We mail it for you, or you print and mail it yourself.
Create Your Dispute Letter →Credit repair market
Businesses in the space
That make it simple
View your credit report inside your profile. Click the items hurting your score, whether it's collections, late payments, or accounts you don't recognize.
Identity theft? Incorrect balance? Account not yours? Pick from dozens of dispute reasons. Each one auto-fills the right FCRA legal citations.
We mail the letter to the credit bureaus on your behalf, or give you a print-ready PDF with instructions for attaching your identity documents.
Pre-built letter templates citing the exact FCRA sections for your situation. Not generic form letters.
FTC affidavits, fraud alerts, police report references, and fraud block requests under FCRA Section 605B.
Wrong balances, incorrect dates, duplicate accounts, mixed files. Cites FCRA Section 611 reinvestigation rights.
Debts past the 7-year reporting window or statute of limitations. Requests removal under FCRA Section 605.
Force collectors to prove you owe the debt. 609 verification letters and FDCPA validation requests.
Request removal of accurate-but-minor late payments from creditors who value your relationship.
Challenge medical collections citing HIPAA violations and the new medical debt reporting rules.
DisputeKit gives you the same tools credit repair agencies use, without the $100/month fee or the six-month commitment.
Create Your Free Dispute Letter →