Dispute Letter Generator

// how it works

Generate a dispute letter

Select your dispute type, fill in your details, and generate a printable letter formatted for all three credit bureaus. Everything runs in your browser — no data leaves your device.

1 · Select dispute type

Inaccurate

Information is wrong — wrong amount, wrong account, wrong status.

Unverifiable

Creditor cannot produce records to confirm the debt.

Identity Theft

Account opened fraudulently in your name.

Obsolete Debt

Derogatory item older than 7 years (10 for Chapter 7 BK).

Mixed File

Someone else's accounts appeared on your credit file.

2 · Your information

Full name *

SSN (last 4)

Street address *

Phone

City

State + ZIP

3 · Account information

Account number

Creditor / Furnisher name

Amount in question

Bureau

4 · Additional details (optional)

Before sending

Send via USPS Certified Mail with Return Receipt
Keep the tracking number — it's your proof of delivery
Send a separate letter to each bureau reporting the item
Include a copy of your credit report with the item highlighted
For identity theft: include a copy of your FTC Identity Theft Report
Bureaus have 30 days to investigate (FCRA §1681i)
If they can't verify, the item must be removed