Choose.
Pick the accounts you believe are inaccurate, from all three bureau reports.
DIYcreditFREE AI DISPUTE LETTER GENERATOR
Free AI credit dispute
letter generator.
Choose the items on your credit report you believe are wrong and pick the reason. AI drafts a dispute letter for each bureau, addressed and organized, with a marked copy of your report. You review it, sign it, and mail it.
The letter tools are free. Your reports come in through SmartCredit®, a separate membership ($1 for 7 days, then $34.95/mo), or link one you already have.
HOW IT WORKS
From report to envelope
in three steps.
Draft.
Select the reason, add details from your records, and AI drafts the letter.
Send.
Review the finished letters, then print, sign, and mail them.
WHAT YOU GET
Everything a bureau
needs to investigate.
A specific, documented dispute gets investigated. A vague or copied one gets dismissed. Every packet is built around the specifics.
- Your detailsName, mailing address, and the identifiers a bureau uses to find your file.
- The right bureau addressEach letter is addressed to that bureau's dispute mailing address.
- One section per itemThe creditor, the account, and a plain statement of what you believe is wrong and why.
- Your own wordsAdd details from your records, and edit any sentence before you print.
- A clear requestAsks the bureau to investigate, correct anything it cannot verify, and send you the results.
- A marked copy of your reportEvery account the bureau reports, with the entries you are disputing circled.
- Your ID, if you add itA copy of your identification, so the bureau can match the letter to your file.
- Follow-up roundsIf an item is still there on your next report, the next letter is written as a follow-up.
DISPUTE REASONS
Written for the problem
you actually have.
Each reason has its own wording, so the bureau knows exactly what to check. Generic templates, like the so-called 609 letter, are easy to dismiss.
- ✓This account is not mine
- ✓The balance is inaccurate
- ✓The payment status is inaccurate
- ✓The dates are inaccurate
- ✓This account was paid or settled
- ✓This information appears more than once
QUESTIONS
Before you write
your first letter.
Is the dispute letter generator really free?+
Yes. Building, editing, and printing letters in DIY Credit costs nothing, with no limit on letters. To bring your credit reports in, you need a SmartCredit® membership, which is separate: $1 for 7 days, then $34.95 a month, billed by ConsumerDirect. If you already have SmartCredit®, you can link it at no extra cost.
Can I edit the letter before I send it?+
Yes. Every paragraph can be changed, and you can add details from your own records to any item. You read, sign, and mail every letter yourself; nothing is sent for you.
Where do I mail a credit dispute letter?+
Each letter is already addressed. For reference: TransUnion, P.O. Box 2000, Chester, PA 19016-2000; Experian, P.O. Box 4500, Allen, TX 75013; Equifax, P.O. Box 740256, Atlanta, GA 30374-0256.
Should I send it by certified mail?+
It is worth the few dollars. Certified mail with a return receipt gives you proof of the date the bureau received your letter, and that date starts the clock on its investigation.
How long does the bureau have to respond?+
Generally 30 days from receiving your dispute, sometimes up to 45. Our guide to what happens after you mail a dispute walks through the result letters.
Can I dispute information that is accurate?+
No, and the generator is not built for that. Disputes are for information you believe is inaccurate, incomplete, or not yours. Accurate, current information generally stays on a report, and nobody can lawfully promise to remove it.
Let AI draft your dispute letters, free
Your three bureau reports in one place, a letter for each item you choose, and a record of everything you send.
Start free