Submit the details of a credit report error once. We organize your evidence, cite the exact FCRA provisions that apply, and hand you a document packet built the way a case should be built — not a form letter.
This isn't a form that spits out a template. Each step depends on what you gave us in the last one.
Account, bureau, what's wrong, and any proof you already have — statements, IDs, correspondence.
Your report and documents get filed, summarized, and matched to the exact FCRA ground for the dispute.
A reviewable document packet lands in your inbox, plus a follow-up date so nothing goes stale.
You get an email with the packet link and a calendar reminder to check back before anything goes to the bureau.
Straight talk before you open a case file.
Every packet is built around these three numbers — the actual deadlines bureaus operate under once a dispute is filed.
Your first evidence packet is free. If a bureau doesn't resolve things cleanly, here's what continuing the case looks like.
Not a substitute for legal advice — but useful before you fill out the form.
The federal law governing how credit bureaus must investigate and correct disputed information.
LookupLook up any other statute or term referenced in your packet or letter.
GlossaryPlain-English definitions for the terms that show up on your credit report.
EducationGeneral background reading on how disputes and reporting errors typically work.
BureauPull your report, check your current score, and file a dispute directly with this bureau.
BureauFree credit score, report, and monitoring — also where a TransUnion dispute ultimately gets filed.
Takes about five minutes. You'll need the account details from your credit report and, if you have them, any supporting documents.