Free Dispute Letter Generator — FreeCreditBot.com

Start with the problem

What looks wrong on your credit report?

Choose the answer that comes closest. You can edit every word before downloading.

This account is not mineI do not recognize or own it.The details are wrongThe balance, status, payment history, or dates are inaccurate.I already paid itThe report does not accurately show the payment.It is too old to reportI believe the reporting period has passed.This came from identity theftI did not open or authorize it.It cannot be verifiedI question whether the information is complete and accurate.

About you

Who is sending this letter?

Use the same name and mailing address shown on your credit report.

Full legal nameMailing address

The reported item

What should the bureau investigate?

Name the item clearly enough that the bureau can identify it. Avoid entering a full account number.

Credit bureauAccount or item

Your right to question inaccurate information

The bureau generally must conduct a reasonable reinvestigation of a clear dispute.

15 U.S.C. § 1681i (FCRA § 611)

Review before downloading

Your letter is ready to edit.

Read every line. Click inside the document to change anything. Your edits stay on this device.

Private local editorNothing is uploaded or saved to a server.

A clear letter, ready in about 90 seconds.

What looks wrong on your credit report?

Who is sending this letter?

What should the bureau investigate?

Your letter is ready to edit.

Good work. Review it before you send it.

Check every fact

Keep your originals

Save proof