Upload your credit report and our AI finds every error, late payment, and collection you can dispute — then writes the letters for you. No lawyers. No monthly fees to start.
No lawyers, no waiting rooms. Upload once and let the AI do the heavy lifting.
PDF or photo. Get your free report at annualcreditreport.com — no hard pull, completely free.
Our AI reads every line. Collections, late payments, errors, unauthorized inquiries — flagged and explained in plain English.
We write FCRA-compliant dispute letters for each item. You print and mail. Bureaus have 30 days to investigate.
Most people have errors they don't know about. The bureaus make mistakes — and federal law gives you the right to challenge them.
Old debts, often unverifiable or not yours
Incorrectly marked lates can drop your score 60+ pts
Still reported inaccurately years after the fact
Unauthorized credit checks you never consented to
Wrong names, addresses, balances, account numbers
Negatives older than 7 years must be removed by law
If we analyze your credit report and don't find a single item to dispute, we'll refund 110% of what you paid — no questions, no hoops. We back our AI that confidently.
Important: Disputly helps you identify and dispute potentially inaccurate, unverifiable, or outdated items on your credit report. We do not guarantee the removal of any item or any specific improvement to your credit score. Credit bureaus are only required to remove information that is inaccurate or unverifiable — accurate, verifiable negative information may remain on your report. Results vary by individual. Disputly is not a law firm and does not provide legal advice.
PDF or photo — works with all 3 bureaus
Reading your credit report...
Enter your details and we'll write a professional FCRA dispute letter for every item above.
Each letter is formatted and ready to print. Follow the steps below to send them.
Analyze your report for free. Pay only when you're ready to send letters.
Free to start. 110% guarantee. Takes 60 seconds.