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Credit dispute letter generator
A clear, factual letter to dispute an inaccurate item on your credit report.
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Errors on a credit report, like an on-time payment marked late or an account that isn't yours, can be disputed under the Fair Credit Reporting Act. Describe the error and get a factual, one-page dispute letter with the right structure, enclosures list and sending tips.
Dispute errors, not accurate history
The FCRA gives you the right to dispute information that is inaccurate or incomplete. Accurate negative items generally stay on your report for the legal reporting period. This tool writes letters for genuine errors only.
Bureau or lender?
You can dispute with the credit bureau that shows the error (Equifax, Experian or TransUnion) or with the company that reported it. Many people send to both. If the error appears on more than one report, dispute with each bureau.
Include proof and keep copies
Attach copies, never originals, of documents that support your claim - a payment confirmation, a paid-in-full letter or an identity theft report. Send by certified mail with return receipt or through the bureau's online portal, and keep a record of every step.
What happens next
Bureaus generally have about 30 days to investigate and must send you the results. If the item is corrected, check your other reports too. If it is not, you can add a statement to your file or contact the Consumer Financial Protection Bureau.
Questions
Is this legal advice?
No. It is general information and a writing aid. For your specific situation, talk to a qualified professional or a nonprofit credit counselor.
Can I dispute accurate late payments?
The FCRA dispute process is for inaccurate or incomplete information. For accurate items, some people send a goodwill letter asking the lender to reconsider.
Should I include my full Social Security number?
The letter uses a placeholder for the last four digits. Follow the bureau's own instructions for identity verification and never share your full SSN in a chat or online tool.