Free Credit Dispute Letter Generator
Create a free, personalized Fair Credit Reporting Act dispute letter in about five minutes. We'll guide you through the process step by step.
Start My LetterHow It Works
Tell us what's wrong
Answer a few questions about the error on your credit report — which bureaus, which accounts, and why the information is inaccurate.
We draft your letter
We generate a personalized FCRA dispute letter in your own voice — citing the right statutes and requesting the right remedies.
Print, sign, and mail
Download your letter as a PDF, sign it, attach your supporting documents, and mail it via Certified Mail with Return Receipt Requested.
Your Right to Dispute
Under the Fair Credit Reporting Act (15 U.S.C. § 1681i), you have the right to dispute any information on your credit report that you believe is inaccurate. The bureau must reinvestigate within 30 days.
If the information can't be verified, the bureau must correct or delete it — and notify anyone who received the inaccurate report.
Why a Written Dispute?
Online disputes through the bureaus' websites often limit what you can say and leave no paper trail. A certified letter creates a legal record — proof of delivery and a clock that starts ticking.
Our tool generates a letter in your own words, not a form template that bureaus routinely dismiss.
What This Tool Does
- Generates a personalized dispute letter citing the Fair Credit Reporting Act reinvestigation provisions
- Handles nine dispute categories: identity theft, mixed files, paid debts, re-aging, bankruptcy, outdated items, duplicates, missing disputed notations, and more
- Writes in your voice — every letter is unique, not a template the bureaus will flag and dismiss
- Includes all required elements: your identification, the disputed items, and specific demands
- Provides the correct mailing address for Equifax, TransUnion, and Experian
- Gives you a downloadable PDF and .docx ready to print, sign, and mail
Ready to Dispute the Error?
It takes about five minutes. You'll need your credit report handy.
Start My LetterIdentity Theft Help is a free informational tool. We are not a law firm and we do not provide legal advice. Using this site does not create an attorney-client relationship. The dispute letters generated by this tool are based on your inputs and are not reviewed by an attorney before you receive them.