Free tool

Dispute Letter Builder

Found an error on your credit report? Pick a letter type, fill in your details and the accounts you're disputing, and your letter is drafted as you type. Print it, sign it, and mail it certified with return receipt.

🔒 Your report and everything you type into the letter stay on your device. Only your sign-up details are sent to us.

Disclaimer: please read

Not legal advice. This is a free self-help tool for drafting your own letters. It is not a law firm, and nothing here is legal, financial or credit advice. For advice about your situation, talk to a licensed attorney or a nonprofit credit counselor.
Not a credit repair service. Referral To Move is not a credit services organization or credit repair company. We don't charge for this tool, don't send disputes for you, and don't contact the credit bureaus or your creditors on your behalf.
No guaranteed results. We can't promise any item will be corrected or removed, or that your score will change. Bureaus and creditors decide disputes. Accurate, timely information can legally stay on your report.
Only dispute what you believe is wrong. Disputing information you know is accurate isn't allowed. You're responsible for checking your letter before you sign and send it.
You can do this yourself for free. You can dispute errors directly with Equifax, Experian and TransUnion at no cost, and get free reports at AnnualCreditReport.com.
Not affiliated with Equifax, Experian, TransUnion, or any creditor or collector. Some links, like SmartCredit, are affiliate links, and we may earn a commission at no cost to you.

Have your report? Start here (optional)

Upload your myFICO 3-Bureau or SmartCredit report PDF and we'll pull out your accounts and inquiries. Your report is read in your browser and is never uploaded anywhere.

📄 Choose report PDF

Don't have your report yet? Get your 3-bureau report and scores from SmartCredit → Then download it as a PDF and upload it here.
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1 · Letter type

2 · Your information Full legal name Street address

City State ZIP

Date of birth SSN last 4

3 · Send to

4 · Accounts to dispute

Before you mail it

Include a copy of your driver's license or state ID and a recent utility bill or bank statement.
Circle or highlight each disputed item on a copy of your credit report and enclose it.
Send certified mail with return receipt and keep copies of everything.
Bureaus generally have 30 days to investigate (45 if you send more info mid-investigation).
Get your free reports anytime at AnnualCreditReport.com.