How It Works

Three steps. No account needed. No signup.

1

Select State + Bureau

Choose your state and the credit bureau you're disputing with. We load your state's credit reporting statutes and FCRA provisions automatically.

2

Fill In Dispute Details

Enter your information, the type of error, and a description of the inaccuracy. Takes about 2 minutes.

3

Download Your Letter

Get a professional credit report dispute letter as a print-ready PDF. Preview free, clean copy for $9.99.

Why Not Just Write It Yourself?

You could. But here's what most people get wrong:

Wrong statute citation. The FCRA has specific sections (15 USC §1681i) that trigger the bureau's investigation obligation. Citing the wrong section — or none at all — signals you don't know the law. Bureaus ignore those letters.
No FCRA citation at all. A dispute letter without explicit FCRA references is just a complaint. A letter that cites 15 USC §1681i and demands investigation within 30 days carries legal weight.
No investigation demand language. Without explicit reinvestigation language and furnisher obligation references, the bureau can treat your letter as a general inquiry instead of a formal dispute triggering their legal obligations.
Bureau ignores generic letters. Credit bureaus process millions of disputes. A properly formatted letter with legal citations, penalty warnings, and bureau-specific addressing gets taken seriously. A casual email does not.

What Your Letter Includes

Every letter is built from federal law and your state's actual statutes.

FCRA §1681i Citation

The exact federal statute requiring the bureau to investigate disputed items within 30 days, cited by section number.

State Supplement

Your state's consumer credit reporting statute layered on top of federal FCRA for maximum coverage.

Investigation Demand

Explicit reinvestigation language triggering the bureau's 30-day obligation and furnisher notification requirements.

Furnisher Obligations

Citation of 15 USC §1681s-2(b), putting the information furnisher on notice of their investigation duties.

Penalty Warning §1681n/§1681o

Statutory and actual damages provisions cited, making clear the consequences of noncompliance.

Create Your Dispute Letter →

Free preview. $9.99 for the clean, print-ready PDF.

Credit Report Dispute Laws by State

Select your state to see your specific FCRA rights and state-level protections.

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming