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Credit dispute letter generator

Fill in the details, and get a mail-ready dispute letter grounded in your rights under FCRA §611 — with the correct bureau mailing address and an enclosures checklist. Nothing you type here leaves your browser — we only count how often the tool is used.

Your full name

Street address

City, State ZIP

Credit bureau

Item being disputed (creditor / account name)

Account number (as shown on the report, may be partial)

What's wrong with it?

Add detail (optional but recommended)

Updates live as you type

Before you mail it

Enclose copies (never originals) of your ID, proof of address, and any evidence.
Mail it with delivery tracking so you can prove it arrived, and keep everything.
The bureau generally has 30 days to reinvestigate under FCRA §611. Mark the date.
Only dispute information you believe is genuinely inaccurate — accurate items generally cannot be removed.

This tool produces general information, not legal advice.

Disputing more than one item?

thecredit reads all three of your reports, finds every disputable item, drafts each letter, mails them first-class with delivery tracking, and tracks the 30-day clocks for you.

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