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Free credit dispute
letter generator

Found an error on your credit report? Fill this in and get a ready to mail letter for free.

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Create your letter

Your letter is ready

Want help with the whole report? See how our credit repair route works.

How to use your letter

  1. Get your free reports at AnnualCreditReport.com.
  2. Create one letter per error, per bureau.
  3. Add copies of your proof, your ID and proof of address.
  4. Mail it, keep a copy, and watch for the results in about 30 days.

Questions people ask

Is it free to dispute my credit report?

Yes. You never have to pay to dispute an error with a credit bureau. You can send this letter yourself.

How long does a dispute take?

The bureau generally has about 30 days to investigate and must send you the results.

What should I send with the letter?

Send copies of documents that support your dispute and a copy of your ID and proof of address. Never send originals. Certified mail gives you a record.

Do you store what I type?

No. The letter is built in your browser. Only your email is sent to us.