Your credit recovery workspace

Add disputed item

Furnisher (bank/collector name) Item type Late payment Collection account Medical collection Charge-off Repossession Foreclosure Bankruptcy notation Civil judgment Tax lien Student loan Hard inquiry Identity-theft account Duplicate trade line Account status error Authorized-user account Mixed file (not mine) Personal info (address/phone/name/DOB/SSN) ChexSystems / banking item Reason (why you dispute it) -- pick one -- Not my account Result of identity theft Not mine (ChexSystems/banking) I'm not an authorized user on it Belongs to another person (mixed file) Assigned to ex-spouse by divorce decree Wrong amount / balance Marked late but paid on time Paid in full (but showing unpaid) Settled (but showing full balance) I closed it (says "closed by creditor") Wrong account status (open/closed) Discharged in bankruptcy Paid original creditor before collections Duplicate of another account Sold debt — original creditor still shows a balance Paid/settled collection still shows a balance Same debt at two collectors at once Paid/changed but never updated Student loan double-reported after transfer Wrong date of first delinquency (DOFD) Wrong date of last activity Wrong account open date DOFD differs across bureaus Account # changed to re-age it CARES Act / forbearance marked late Late during approved forbearance/deferment Paid, or unpaid medical under $500 Reported before 180-day medical wait Older than 7 years / obsolete Re-aged (delinquency date reset) Hard inquiry older than 2 years Civil judgment / tax lien shouldn't appear Bankruptcy past 7/10-year window Negative authorized-user account (not liable) Can't be verified with documentation No original signed contract produced Inquiry I didn't authorize Wrong address Wrong phone number Wrong / misspelled name Wrong date of birth Wrong SSN Wrong employer Incorrectly marked deceased Notes

Share your win (pseudonymous)

You just resolved a dispute. Want to inspire others? We display first name + last initial only.

Display name (e.g. "Maria G.") State / city (e.g. "Houston, TX") Items removed Your story (1-3 sentences)

Dispute strategy

How to mail any letter (5 steps)

"Both" sends the dispute to all three bureaus and the matching letter to the creditor/collector in one round — the strongest play.

Guidance only — not legal advice or a guarantee of deletion. Only dispute genuinely inaccurate, incomplete, outdated, or unverifiable items.

Generate a letter

Pick who it's for and which letter fits your situation. Not sure? Leave the type on "Auto".

Send to Equifax (credit bureau) TransUnion (credit bureau) Experian (credit bureau) The creditor / collector directly ChexSystems (banking bureau) Police (identity-theft report) Letter type Auto — pick the best letter for me

New to these? See letter samples & when to use each →

Your dispute letter

After printing, sign + date + mail certified mail to the bureau address shown in the letter. Keep the certified mail receipt. The bureau has 30 days to respond under FCRA.