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Put the facts in writing.

Build a clear, editable letter about information you believe is inaccurate on your US credit report. Your personal details are removed before any AI call and your finished letters are not stored.

Draft my letter See how privacy works

No email or account
No SSN or birth date
No document uploads

Your details stay out of the AI request.

Names, addresses, phone numbers, report confirmation numbers, recipient details, and account references are replaced with placeholders first. They are restored only in server memory after the draft passes safety checks.

Full privacy policy

Guided letter workspace

Draft your dispute letter

Use information from a current copy of your credit report. Fields marked optional may be left blank.

Nothing is saved

01 Who should receive a letter?

Select one or more credit bureaus. Add a furnisher only if you also want a separate letter to the company that supplied the information.

Equifax P.O. Box 740256
Atlanta, GA 30374-0256 Experian P.O. Box 4500
Allen, TX 75013 TransUnion P.O. Box 2000
Chester, PA 19016-2000

Mailing addresses can change. Verify the address printed on the credit report you are disputing before sending anything.

Add an information furnisher

A furnisher is usually the lender, creditor, collector, or other company that reported the item.

Furnisher name Dispute mailing address

02 Add the letter heading

This information is placed into your finished letter. Do not enter an SSN or date of birth anywhere in this tool.

Full name Address line 1 Address line 2 optional City State ZIP code Phone optional Credit report confirmation number optionalUse the reference shown on the report, if helpful. Never enter your SSN.

03 Describe each disputed item

Be factual and specific. Include only what you can support. You may add up to ten items.

04 Review before drafting

Check the summary, verify recipient addresses, and confirm that every statement is truthful.

I confirm that the information I entered is truthful to the best of my knowledge and that I am disputing factual information I believe is inaccurate or incomplete.

Important

This tool provides drafting assistance, not legal advice or attorney review. It cannot guarantee removal, a score change, or any result. Accurate negative information cannot simply be removed because it is negative.

Step 1 of 4

Choose the right recipient

Bureau dispute or furnisher dispute?

You may contact the credit reporting company, the company that supplied the information, or both. They play different roles.

Credit bureau

Ask Equifax, Experian, or TransUnion to investigate information appearing in that bureau’s credit file.

Use details from that specific report
Send a separate letter to each selected bureau
Verify the bureau address shown on your report

Information furnisher

Ask the lender, collector, or other company that reported the item to investigate its own records and reporting.

Use the dispute address the company provides
Describe the same factual error consistently
Keep copies of your letter and evidence

Before you mail

Build a small evidence file.

Your letter is easier to evaluate when it identifies the exact item, explains the factual problem, and points to relevant copies.

Do not upload anything here. This checklist stays in your browser and resets when the page closes.

A current credit report with the disputed item marked Copies of records that support your explanation The correct account reference from the report The recipient address verified against the report or official site A copy of the final signed letter for your records

Mailing guidance

Send a letter you can track.

1
Verify
Compare names, account references, facts, and mailing addresses with current source documents.
2
Print and sign
Use your browser’s Print / Save as PDF option. Sign a mailed paper letter.
3
Copy, don’t surrender
Send copies of relevant documents, not your originals, unless an official instruction specifically says otherwise.
4
Keep a record
Save the letter, enclosures, mailing receipt, and any response together.

If the answer does not resolve it

Read the investigation results carefully.

Compare the response with your original dispute and documents. If information remains inaccurate, official guidance may offer additional options, including contacting the furnisher, submitting additional relevant information, or adding a consumer statement.

Read CFPB dispute guidance

Common questions

Before you begin

Can a letter remove accurate negative information?

No. Accurate negative information generally cannot be removed merely because it is negative. A dispute should identify information you genuinely believe is inaccurate or incomplete.

Does this site send my letter?

No. It creates an editable draft in your browser. You decide whether and how to send it after checking every detail.

Does the site save my information or letter?

No. The service is designed not to persist form values or generated letters. Rate limits use short-lived, one-way network fingerprints rather than accounts, cookies, or persistent visitor IDs.

Should I include my Social Security number or birth date?

Not in this tool. It does not request either one and blocks common SSN and birth-date patterns in free-text fields. Review the recipient’s current official instructions separately before mailing.

What if the account is connected to identity theft?

Identity theft is outside this generator’s scope. Use the personalized recovery process at IdentityTheft.gov.

Is this legal advice?

No. It is a self-help drafting tool, not a law firm, attorney, credit repair service, or substitute for advice about your situation.

Official starting points

Sources and further reading

Official instructions and mailing addresses may change. Check the current instructions from the report issuer and recipient before sending a dispute.