Important: Disputly is not a law firm and does not provide legal or financial advice. Use of this service does not create an attorney-client relationship. Results are not guaranteed.
Disputly provides AI-generated dispute letters and credit report analysis as an informational tool only. Nothing on this platform constitutes legal advice, and no attorney-client relationship is created by your use of this service.
If you need legal advice regarding your credit, debt, or consumer rights, you should consult a licensed attorney in your jurisdiction.
While Disputly uses AI to identify potentially disputable items on your credit report, we make no guarantee that:
Credit bureaus and creditors make their own independent determinations in response to dispute letters. Outcomes vary based on individual circumstances.
Our 110% money-back guarantee applies only if our AI analysis finds zero items on your credit report that are potentially disputable. If disputable items are identified and letters are generated, the standard refund policy applies. This guarantee does not apply to the outcome of any submitted disputes.
Disputly generates dispute letters based on your rights under the Fair Credit Reporting Act (FCRA). The FCRA gives consumers the right to dispute inaccurate, incomplete, or unverifiable information on their credit reports. However, exercising this right does not guarantee removal of any item — credit bureaus are only required to remove items that cannot be verified.
All credit report analyses and dispute letters are generated by artificial intelligence. While we strive for accuracy, AI-generated content may contain errors or omissions. You are responsible for reviewing all letters before mailing them and ensuring the information is accurate and applicable to your situation.
Disputly is a software tool that helps you understand your credit report and exercise your consumer rights. We do not negotiate with creditors, contact bureaus on your behalf, or guarantee any specific outcome. You are responsible for mailing and following up on all dispute letters generated through our platform.
Any credit report or personal information you upload to Disputly is used solely for the purpose of generating your analysis and dispute letters. We do not sell or share your personal information with third parties. Uploaded reports are processed securely and not stored longer than necessary.
To the maximum extent permitted by law, Disputly and its owners shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this service, including but not limited to any decisions made based on our analysis, or the outcome of any credit disputes.
We reserve the right to update these terms at any time. Continued use of the platform after changes constitutes acceptance of the updated terms.
Questions about these terms? Email us at support@getdisputly.com