How DisputeAI Works

Dispute inaccurate items on your credit report in 5 simple steps. Our AI-powered platform makes it easy to exercise your rights under the Fair Credit Reporting Act.

Bank-Level Security
Instant Generation
5 Minute Process
1

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 are processed and not stored permanently
2

AI Analyzes Your Accounts

Our advanced AI analyzes each account on your credit report, identifying potential issues and inaccuracies that can be disputed.

  • Identifies late payments, collections, and more
  • Flags accounts with potential errors
  • Suggests optimal dispute strategies
3

Select Accounts to Dispute

Review the extracted accounts and select which ones you want to dispute. Choose from multiple dispute reasons for each account.

  • Multiple dispute reason options
  • Customize your dispute strategy
  • No limit on accounts per dispute
4

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
5

Print, Sign & Mail

Download your letters as PDFs, print them out, sign them, and mail them to each credit bureau via certified mail for tracking.

  • Ready-to-print PDF format
  • Bureau addresses included
  • Certified mail recommended

What Happens After You Mail Your Letters?

Understanding the dispute process timeline helps you know what to expect

1
30 Days

Bureau Investigation

Credit bureaus have 30 days (45 in some cases) to investigate your dispute and respond.

2
Review

Results Letter

You'll receive a letter detailing the results of the investigation and any changes made.

3
Next Steps

Follow Up

If items aren't removed, you can send follow-up dispute letters or escalate your case.

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
85%+

Success Rate

5 Min

Average Time

10K+

Letters Generated

3

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.

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