A free do-it-yourself tool that generates FCRA-compliant dispute letters, tracks your deadlines, and walks you through the entire process. Your data never leaves your browser.
Most people lose disputes because their letter cites no law, names no specific item, and sets no deadline. We fix all three.
Every letter references the specific FCRA or FDCPA section that supports your dispute — 15 U.S.C. § 1681i, § 1681s-2(a)(8), § 1692g, and others.
The bureau has 30 days to respond. We track that clock for you and tell you exactly when to escalate.
When the bureau verifies, ignores, or partially corrects, the tool generates the right next letter — MOV requests, second-round disputes, CFPB complaints.
If Capital One is reporting wrong on Experian, Equifax, and TransUnion, generate dispute letters for all three at once.
Inaccurate info. Unverifiable. Outdated. Duplicate. Identity theft. Re-aged debt. Mixed file. Each reason maps to a different letter template.
Nothing is sent to any server. Everything is stored only in your browser. We can't see your data, share it, or lose it in a breach.
From "I just got my credit report" to "letter in the mailbox" in 15 minutes.
Name, address, DOB, last 4 of SSN. This goes at the top of every letter. Stays in your browser.
Type or paste from your credit report. Pick a reason for each item.
One click. Bureau dispute. Direct creditor dispute. Validation. Multi-bureau campaigns.
Print-ready format. USPS Certified Mail with Return Receipt — required.
Log the bureau's response. Auto-generates MOV requests, second-round disputes, or CFPB complaints.
Every letter the tool generates cites the actual statute that gives you the right to dispute — and the consequences if a bureau or creditor doesn't comply.
Bureaus must investigate and respond to disputes within 30 days. If they don't, the disputed item must be deleted.
15 U.S.C. § 1681i(a)
If a bureau says they "verified" the item, you can demand exactly how — who they called, what records they reviewed, who responded.
15 U.S.C. § 1681i(a)(7)
You can dispute directly with the creditor or collector, not just the bureau. Many people don't know this.
15 U.S.C. § 1681s-2(a)(8)
When a debt collector contacts you, they must validate the debt on request — chain of assignment, original creditor, itemized accounting.
15 U.S.C. § 1692g
DisputeDesk's tool generates the right letters and tracks your deadlines. But the tool can't teach you why the system works the way it does, or when to escalate, or what your specific rights actually are.
That's what the 30-page companion book does. It's the financial literacy education credit bureaus would rather you not have.
We're building a paid version with cloud sync, automatic certified mailing, document upload, and deadline reminders. Join the early-access list and we'll let you know when it's ready — and offer founding-user pricing.
We'll only email you about DisputeDesk updates. No spam, no sharing. Privacy Policy.
The work isn't hard — they just charge you because most people don't know they can do it themselves. The tool is free. The law is on your side. Start a dispute in 5 minutes.
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