Remove Negative Items From Your Credit Report
Our AI generates unique, FCRA-compliant dispute letters that credit bureaus can't auto-reject. Personalized for Equifax, Experian & TransUnion.
Why Most Credit Disputes Fail
Inaccurate Items Are Destroying Your Credit Score
- ✕79% of credit reports contain errors (FTC Study)
- ✕Template letters get auto-rejected by bureaus
- ✕Credit repair companies charge $100+/month
AI-Generated Letters That Actually Work
- Each letter is unique — no templates to reject
- FCRA-compliant arguments that demand action
- Start for just $9.97 — or subscribe to Pro
Real Results from Real People
“Had 3 collections removed within 45 days. The AI-generated letters were much more effective than the templates I tried before. My score went up 67 points!”
Michael R.
Removed 3 collections
“My credit score went up 87 points after disputing old accounts. So easy to use and the letters look very professional. Worth every penny!”
Sarah T.
+87 point increase
“Got 5 items removed and finally qualified for a mortgage. The unique letters really make a difference compared to generic templates.”
James D.
Qualified for mortgage
Get Your Dispute Letters in Minutes
No complicated process. No waiting. Just effective dispute letters ready to mail.
Enter Your Accounts
Add accounts manually or upload your credit report. Our AI extracts everything automatically.
AI Generates Letters
Our AI creates 3 unique, personalized letters — one for each credit bureau.
Mail or We Mail For You
Download PDFs and mail yourself, or use our mailing service — we print, sign, and mail for you.
AI-Powered Analysis
Upload your credit report and our AI automatically extracts all accounts, identifies potential FCRA violations, and suggests the strongest dispute strategies.
- Severity ratings (High, Medium, Low) for each account
- Bureau source badges (Equifax, Experian, TransUnion)
- Multiple dispute reason options per account
- Select which accounts to dispute with checkboxes
Unique Letters Every Time
No two letters are alike. Our AI generates completely unique, professional dispute letters that credit bureaus can't auto-reject.
- Separate letters for Equifax, Experian & TransUnion
- Professional formatting with your info pre-filled
- FCRA-based legal arguments that demand investigation
- Download as PDF or ZIP with all 3 letters
Simple, Transparent Pricing
Start with a single dispute or subscribe to Pro for your full credit repair journey.
More Than Just Letter Generation
A complete dispute management system that guides you through the entire process.
AI Violation Detection
Upload your credit report and our AI identifies potential FCRA violations with severity ratings.
We Mail For You
NEWWe print your letters, apply your signature, include ID verification, and mail directly to bureaus.
Dispute Tracking Dashboard
Track disputes from mailing to resolution with auto-calculated 30-day deadlines.
CFPB Complaint Generator
Escalate to the Consumer Financial Protection Bureau with auto-generated complaint text.
Frequently Asked Questions
How is this different from credit repair companies?
Credit repair companies charge $100+/month and use the same templates for everyone. DisputeAI is a one-time payment that generates unique, AI-powered letters tailored to your specific situation. You maintain control of the entire process.
What makes your letters more effective?
Credit bureaus use automated systems to detect and reject template letters. Our AI generates completely unique letters every time, with varied language, structure, and FCRA-based arguments that require manual review and investigation.
What is a credit?
1 credit = 1 dispute round. Each dispute round lets you dispute up to 15 accounts across all 3 credit bureaus (Equifax, Experian, and TransUnion). Credits never expire — buy them when you need them and use them whenever you're ready. Pro subscribers get 3 credits each month, and unused credits always roll over.
Know Your Credit Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) gives every consumer powerful rights to ensure their credit report is accurate. Here are the key protections you should know about.
Right to Dispute Inaccurate Information
Under FCRA Section 611, you have the legal right to dispute any information on your credit report that you believe is inaccurate, incomplete, or unverifiable. Credit bureaus must investigate your dispute — they cannot ignore it.
30-Day Investigation Requirement
Once you file a dispute, credit bureaus are required by law to investigate within 30 days (45 days if you submit additional information). If they cannot verify the item, they must remove it from your report.
Right to Accurate Reporting
Credit bureaus and data furnishers (creditors, collectors) are legally obligated to report accurate information. If an account balance, payment history, or account status is wrong, you can demand correction under the FCRA.
Free Annual Credit Reports
You are entitled to one free credit report per year from each bureau through AnnualCreditReport.com — the only federally authorized source. Review your reports regularly to catch errors early and protect your credit score.
Whether you have one item to dispute or dozens, DisputeAI helps you exercise your FCRA rights with professional, AI-generated letters tailored to your situation. Start with a single credit for $9.97, or subscribe to Pro at $29.97/month for ongoing disputes.