Credit Report Dispute Letter
Dispute inaccurate information on your credit report under the Fair Credit Reporting Act (FCRA). Includes bureau-specific addresses and state credit reporting protections.
Statute of Limitations Warning
Legal deadlines apply to your claim. You lose your right to act if you wait too long. Send notice as soon as possible.
Why this letter works:
- Cites the exact law: Automatically applies the correct state and federal statutes to your situation.
- Sets a firm deadline: Legally compels a response within the required statutory timeframe.
- Creates a paper trail: Designed to serve as Exhibit A if you need to escalate to an agency or court.
Answer a few questions and we'll create your personalized letter.
New here? Read the full guide on credit report rights first.
One-time price:$19Paid once at the end. No subscription.
Your Action Plan
This is the final formal demand before litigation.
Download your personalized PDF immediately after purchase and send it.
Your letter includes a firm deadline. Do not engage in informal text messages during this time.
If they miss the deadline, you have completed the required out-of-court steps. Hand this complete paper trail to a local attorney for litigation.
Your Situation
Tell us about the credit report error so we can tailor your dispute letter.
This determines which state credit reporting law applies in addition to the federal FCRA.
Select all bureaus that are reporting the inaccurate information. You can dispute with one or all three.
Select the type that best describes what is wrong on your credit report.
Under the FCRA, you can dispute with both the credit bureau and the company that furnished the information (the creditor). Disputing with both is recommended.
Before you start
What exactly do I get, and when?
A personalized PDF letter, written around the statute that applies to your situation, with the deadline and the consequence spelled out. It downloads the moment payment confirms, back here on commoner-law.com — there is no waiting period and no account to create. You can also add certified mail at checkout and we will send the physical letter for you.
How much is it?
$19, once. Not a subscription, and nothing is charged until you complete payment on Stripe at the end of the wizard. Any add-ons you select show their own price before you pay.
Is this legal advice?
This tool creates a credit report dispute letter for self-help purposes. It is not legal advice and does not replace consultation with a licensed attorney. Credit reporting laws are complex and change frequently. If you are a victim of identity theft, also file a report with the FTC at identitytheft.gov and with your local law enforcement. If a bureau fails to investigate or correct an error after receiving your dispute, you may have a legal claim under the FCRA. Consider consulting a consumer rights attorney, many of whom offer free consultations for FCRA cases.
What if I need to change something afterwards?
Tell us and we will either adjust the letter and send you the updated version at no cost, or refund you in full — your choice. If we can’t deliver what you paid for, the refund is automatic. Full terms are on our promise page.
Do I have to pay to know if I have a case?
No. The rights encyclopedia on this site is free and cites the same primary sources the letter does. Read the relevant guide first — plenty of situations are resolved by a phone call to a free statutory body, and where one exists we say so.