Round 1 · Dispute
Certified mail
To whom it may concern,
I am disputing an inaccurate item appearing on my credit report.
Alex Rivera
100% free · No credit card
Dispute errors.
Settle debts.
Get mortgage ready.
Generate handwritten dispute letters for Equifax, Experian, and TransUnion, plus a payoff plan a lender can actually read. You print them, you mail them, you keep control.
- No subscription, ever
- Your data stays yours
- Cancel nothing: there is nothing to cancel
Letters addressed to
- Equifax
- Experian
- TransUnion
3
Escalation rounds
Initial dispute, follow-up, then a documented escalation.
45
Day follow-up reminder
A reminder 45 days after you mark a letter mailed; not a legal deadline.
$0
Cost to use
The app is free. Printing and postage may cost extra.
How it works
Three steps, then the mailbox does the work
No phone calls, no law firm, no monthly fee. Everything happens on your schedule.
1
Add what is wrong
List the accounts, hard inquiries, or personal-information errors you found on your reports.
2
Generate your letters
We build handwriting-style PDFs with the selected recipient address. Review, print, sign, and mail them.
3
Follow the rounds
Record what comes back. If nothing changes, escalate to round 2 and round 3 with a clear next step.
What you get
Built for the part nobody explains
The letters are the easy bit. Knowing what to send, to whom, and what to do when it comes back is the rest.
Letters with a handwriting-style appearance
Our PDFs use real handwriting fonts with a slight per-character tilt, to give your letters a handwriting-style appearance. This does not guarantee human review.
Bureau mailing addresses
Equifax, Experian, and TransUnion mailing addresses are included. Confirm the current dispute address on your report before mailing.
A payoff plan, not a guess
Model what an extra payment does to your timeline, and print a plan you can hand to a loan officer.
Round-by-round escalation
Each round has its own letter and its own tone. You always know what the next move is and when to make it.
Private by default
We use your details to provide your account, letters, reminders, and the optional mortgage inquiry you request. Read our Privacy Policy for storage and deletion details.
Questions
Straight answers
Is this really free?
Yes. There is no paid tier, no trial that expires, and no card required to generate letters. Printing and postage may cost extra, including certified mail if you choose it.
Why handwritten letters?
Our PDFs use handwriting-style fonts for a personal appearance. We cannot control how a bureau processes a letter or guarantee human review or a particular outcome.
Will this remove accurate negative items?
No, and you should be sceptical of anyone who says otherwise. Disputes exist to correct information that is inaccurate, incomplete, or unverifiable. Accurate items generally stay until they age off.
Do you contact the bureaus for me?
Never. We generate the documents; you review, sign, and mail them yourself. You decide what to send and remain in control of your dispute.
How long does a round take?
The FCRA generally gives a bureau 30 days to reinvestigate after it receives your dispute. Add mailing time in both directions and a round usually runs about six weeks end to end.
Start your first letter today
It takes a few minutes to list what is wrong. The rest is a printer, a stamp, and a calendar reminder.
No credit card. No subscription. Optional mortgage contact requires your consent.
Not legal advice. This is a self-help tool that turns information you enter into letters you send yourself. Results are not guaranteed, and nothing here creates a lawyer-client relationship.
Free self-help tools. We do not act on your behalf, do not contact bureaus or creditors for you, and do not charge for any of it. You can dispute errors directly with each bureau for free at any time, with or without this tool.