Dispute inaccurate items on your credit report in 5 simple steps. Our AI-powered platform makes it easy to exercise your rights under the Fair Credit Reporting Act.
Download your free credit report from AnnualCreditReport.com and upload it to our secure platform. Our AI will automatically extract and identify all accounts.
Our advanced AI analyzes each account on your credit report, identifying potential issues and inaccuracies that can be disputed.
Review the extracted accounts and select which ones you want to dispute. Choose from multiple dispute reasons for each account.
With one click, generate three personalized dispute letters - one for each credit bureau (Equifax, Experian, and TransUnion).
Download your letters as PDFs, print them out, sign them, and mail them to each credit bureau via certified mail for tracking.
Understanding the dispute process timeline helps you know what to expect
Credit bureaus have 30 days (45 in some cases) to investigate your dispute and respond.
You'll receive a letter detailing the results of the investigation and any changes made.
If items aren't removed, you can send follow-up dispute letters or escalate your case.
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Join thousands of users who have successfully disputed inaccurate items on their credit reports with DisputeAI.