Question 1

What is DisputeAI?

Accepted Answer

DisputeAI is an AI-powered platform that generates professional credit dispute letters for the three major credit bureaus (Equifax, Experian, and TransUnion). Our service helps you create unique, FCRA-compliant dispute letters based on the accounts you want to dispute.

Question 2

How does DisputeAI work?

Accepted Answer

Simply create an account, purchase credits, and either upload your credit report for AI analysis or manually enter the accounts you want to dispute. Our AI will generate three unique dispute letters (one for each bureau) that you can download as PDFs, print, and mail via certified mail.

Question 3

Do I need to know anything about credit repair to use DisputeAI?

Accepted Answer

No! Our service is designed to be easy to use. Just provide the account information and select a dispute reason, and our AI handles the rest. We generate professional, legally-sound letters that cite relevant FCRA sections.

Question 4

How do credits work?

Accepted Answer

1 credit = 1 complete dispute package, which includes 3 unique letters (one for each credit bureau). You can include up to 15 accounts in a single dispute. Credits are deducted when you generate the letters, not when you create a draft.

Question 5

Do credits expire?

Accepted Answer

No! Credits never expire. You can purchase them now and use them whenever you need them.

Question 6

What payment methods do you accept?

Accepted Answer

We accept all major credit cards, debit cards, and other payment methods supported by Stripe, including Apple Pay and Google Pay.

Question 7

Do you offer refunds?

Accepted Answer

Yes! We offer a satisfaction guarantee. If you're not satisfied with the quality of the generated letters, contact us within 7 days for a full refund of the credit used.

Question 8

What makes DisputeAI letters different from templates?

Accepted Answer

Each letter we generate is unique, created specifically for your situation by our AI. Unlike generic templates that credit bureaus can easily identify and auto-reject, our letters use varied language, structure, and arguments while remaining legally compliant.

Question 9

Why do I need three separate letters?

Accepted Answer

Each credit bureau (Equifax, Experian, and TransUnion) maintains separate records. To dispute an item on all three reports, you need to send separate letters to each bureau. We generate bureau-specific letters with the correct addresses and formatting for each.

Question 10

What dispute reasons can I use?

Accepted Answer

We support all common dispute reasons including: Not my account, Account paid/settled, Incorrect balance, Incorrect dates, Duplicate account, Identity theft/fraud, Account too old to report, and more. You can also add custom notes for additional context.

Question 11

Can I edit the letters after they're generated?

Accepted Answer

The letters are provided as PDFs ready for printing. If you need changes, you can regenerate the letters with updated information (no additional credit required for the same dispute).

Question 12

How do I get my credit report?

Accepted Answer

You can get free credit reports from AnnualCreditReport.com (the only federally authorized source). Download your reports as PDFs and upload them to DisputeAI for AI analysis.

Question 13

Is it safe to upload my credit report?

Accepted Answer

Yes. We use bank-level 256-bit SSL encryption. Uploaded reports are processed temporarily for AI analysis and are not permanently stored. We extract only the account information needed to generate your dispute letters.

Question 14

Can I enter accounts manually instead of uploading?

Accepted Answer

Absolutely! You can manually enter account information if you prefer not to upload your credit report. Our manual entry form captures all the information needed to generate effective dispute letters.

Question 15

How do I send the dispute letters?

Accepted Answer

Print the PDF letters, sign them, and mail via certified mail with return receipt requested. This provides proof of delivery. We include mailing instructions and bureau addresses with every download.

Question 16

How long does the dispute process take?

Accepted Answer

Credit bureaus are required by law to investigate disputes within 30 days (or 45 days if you provide additional information during the investigation). You should receive a response within this timeframe.

Question 17

What happens if the bureau doesn't remove the item?

Accepted Answer

If the bureau verifies the item as accurate, it will remain on your report. You can dispute again with additional information or different arguments. Many users find success with follow-up disputes.

Question 18

Can DisputeAI guarantee results?

Accepted Answer

No. We provide high-quality dispute letters, but we cannot guarantee that any item will be removed. The outcome depends on the specific circumstances and the credit bureau's investigation. This is true for all credit dispute services.

Question 19

What features are included in the dashboard?

Accepted Answer

Your dashboard includes dispute tracking, email reminders, follow-up letter generation, CFPB complaint generator, outcome reporting, and AI violation detection. All features are included with every credit purchase at no extra cost.

Question 20

How does dispute tracking work?

Accepted Answer

After you mail your dispute letters, mark them as "Mailed" in your dashboard. The system tracks how many days have passed since you sent each letter, helping you know when the 30-day and 45-day response deadlines are approaching.

Question 21

What are the email reminders for?

Accepted Answer

We send you email notifications when your disputes are approaching the 30-day deadline (when bureaus must respond) and the 45-day deadline (when you can escalate). This ensures you never miss an important window to take action.

Question 22

What are follow-up letters?

Accepted Answer

If a bureau doesn't respond within the required timeframe, you can generate follow-up letters that cite specific FCRA violations. These letters reference the original dispute date and demand compliance with federal law.

Question 23

What is the CFPB Complaint Generator?

Accepted Answer

If a credit bureau fails to investigate your dispute properly, you can use our CFPB Complaint Generator to create a detailed complaint for the Consumer Financial Protection Bureau. The generator creates "What Happened" and "Desired Resolution" text ready to paste into the CFPB portal.

Question 24

How does outcome reporting work?

Accepted Answer

After receiving responses from the bureaus, you can log the outcome for each disputed account (deleted, updated, verified, or no response). This helps you track your success rate and decide on next steps like follow-up disputes.

Question 25

Does outcome tracking cost extra credits?

Accepted Answer

No! Dispute tracking, follow-up letters, CFPB complaint generation, and outcome reporting are all included free with every credit. You only use credits when generating the initial dispute letters.

Question 26

Is DisputeAI a credit repair company?

Accepted Answer

No. DisputeAI is a document generation tool, not a credit repair organization. We don't dispute items on your behalf, contact bureaus for you, or make promises about credit score improvements. You are in control of the entire process.

Question 27

Is it legal to dispute items on my credit report?

Accepted Answer

Yes! The Fair Credit Reporting Act (FCRA) gives you the right to dispute any information you believe is inaccurate, incomplete, or unverifiable. It's your legal right, and exercising it is completely legitimate.

Question 28

What if an item is accurate but I dispute it anyway?

Accepted Answer

We recommend only disputing items you genuinely believe are inaccurate or unverifiable. Disputing verified accurate information repeatedly may be considered frivolous by credit bureaus.

Frequently Asked Questions

Getting Started

Credits & Pricing

Dispute Letters

Credit Report Upload

After Sending Letters

Dashboard & Tracking

Legal & Compliance

Still Have Questions?