How DisputeAI Works
Dispute inaccurate items on your credit report in 4 simple steps. Our AI-powered platform makes it easy to exercise your rights under the Fair Credit Reporting Act.
Upload Your Credit Report
Download your free credit report from AnnualCreditReport.com and upload it to our secure platform. Our AI will automatically extract and identify all accounts.
- Supports PDF format from all three bureaus
- Secure 256-bit encryption
- Files stored securely in your account
AI Analyzes & You Select Accounts
Our advanced AI analyzes each account on your credit report, identifying potential issues with severity ratings. Review the results and select which accounts you want to dispute.
- Identifies late payments, collections, and more
- Severity ratings (High, Medium, Low) for each account
- Multiple dispute reason options per account
- Up to 15 accounts per dispute
Generate Professional Letters
With one click, generate three personalized dispute letters - one for each credit bureau (Equifax, Experian, and TransUnion).
- Legally-compliant letter format
- Personalized with your information
- FCRA-based dispute arguments
Mail Yourself or We Mail For You
Download your letters as PDFs and mail them yourself, or use our convenient mailing service - we print, sign, and mail your letters directly to the bureaus.
- Download PDFs to mail yourself
- Or use our mailing service from $4.99
- Standard, Certified & Priority options
Dashboard
Your Personal Command Center
Track all your disputes, monitor deadlines, and see your progress from one intuitive dashboard.
After Mailing
What Happens After You Mail Your Letters?
Understanding the dispute process timeline helps you know what to expect
Bureau Investigation
Credit bureaus have 30 days (45 in some cases) to investigate your dispute and respond.
Results Letter
You'll receive a letter detailing the results of the investigation and any changes made.
Follow Up
If items aren't removed, you can send follow-up dispute letters or escalate your case.
Full Support
We Help You Every Step of the Way
DisputeAI doesn't just generate letters - we provide tools to track, follow up, and escalate your disputes.
Dispute Tracking Dashboard
Track every dispute from mailing to resolution. See 30-day deadlines, response status, and what needs your attention.
- Mark letters as mailed
- Auto-calculated deadlines
Email Deadline Reminders
Get notified when your letters are ready and when bureau response deadlines are approaching. Never miss a deadline.
- Day 25 & 35 reminders
- Customizable preferences
Follow-Up Letter Generation
Bureau didn't respond? Generate stronger follow-up letters citing FCRA violations and statutory damages.
- Cite Section 611 violations
- More aggressive language
CFPB Complaint Generator
Escalate to the Consumer Financial Protection Bureau when bureaus don't comply. We generate the complaint text for you.
- Pre-filled complaint text
- Step-by-step instructions
Outcome Tracking
Report which items got deleted, corrected, or verified. Track your personal success rate over time.
- Track deletions & corrections
- Personal success statistics
AI Violation Detection
Upload your credit report and our AI identifies potential FCRA violations with severity ratings (High/Med/Low).
- Auto-extract accounts
- Flag potential violations
Success Rate
Average Time
Letters Generated
Bureau Letters
Ready to Clean Up Your Credit Report?
Join thousands of users who have successfully disputed inaccurate items on their credit reports with DisputeAI.