Send the letter. Track the clock.
Something on your credit report looks wrong. You have the right to dispute it — and the credit bureau has a limited time to investigate. You fill in what happened, DisputeDesk turns it into the letter, and then counts the days so you never lose track of what happens next.
Free tools: 3 letters per calendar month. No account, no card. Everything stays in your browser. Not ready to write yet? The guides answer the questions people search for first — which address, which clock, which letter.
Disputing is free, but doing it right is hard
The process itself is public and free. The hard part is knowing what to write, where to send it, and what to do when the days start slipping away.
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The letters are scattered
Free templates exist, but they are spread across government sites and blog posts, written in legal language, and none of them track what you sent or when.
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The deadlines are invisible
After you send a dispute, a response clock starts. Miss the follow-up window and the item simply sits on your report while you assume something is happening.
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Other “done-for-you” services charge recurring fees
We are not one of them. We sell one PDF once, and we do not manage your file, watch for new negative items, or bill you every month. Paid services in this category are not allowed to promise a result — and neither do we.
One simple tool: write it, send it, track it
DisputeDesk is software. You stay in control of your own dispute — the software does the writing and the formatting, and the clock runs in your browser.
What we do
- Turn your answers into a clear, printable dispute letter
- Give you the right version for each bureau: Equifax, Experian, TransUnion
- Count the days from the day you sent it and tell you what to do next
- Keep your notes with each dispute, stored in this browser only
- Point you to the bureaus' own free online dispute forms as well
What we never do
- We do not promise or imply any outcome
- We do not charge you before you can use what you paid for
- We do not upload your letters, documents or medical details to a server
- We are not a law firm and we do not give legal advice
- We are not affiliated with the CFPB or any credit bureau
Three steps, about ten minutes
Answer a few questions
Pick the bureau and the kind of problem — wrong balance, duplicate collection, or a medical collection. Fill in your details and what happened.
Print, copy, or edit in Word
DisputeDesk builds your letter instantly on notedar.com. Click Copy text to paste into Microsoft Word or Google Docs, print directly, or use the bureau's online dispute form.
Track until it is resolved
Log the sent date. The tracker shows how many days have passed, what the status is, and the next action: wait, send a follow-up, or request a re-investigation.
Letters reference the bureaus' free official dispute forms and the free CFPB templates, so you can always use those instead.
Everything in one place
Letter composer
3 dispute types × 3 bureaus, turned into a plain-text letter you can print or copy in one click.
Deadline tracker
Every dispute gets a row: sent date, days elapsed, status, and the next action highlighted as ok, due, or overdue.
DisputeDesk Letter Kit
All 9 FCRA §1681i letter templates as a printable PDF, a 30-day tracker sheet and a proof-of-delivery checklist — $9 one-time.
Medical module
A dedicated letter variant for medical collections. It asks the bureau to confirm the item is reported in coded form that does not identify the provider, and to name the provider so you can dispute it directly — the two things that actually settle a medical bill dispute.
Background on the 2025 federal rule that was set aside: medical debt on a credit report in 2026, including what New York and California still do differently.
Buy-now-pay-later and installment loans: does Affirm report to credit bureaus, and which of the three actually carries the entry.
Stored in your browser
Your letters, notes and tracker rows live in this browser's local storage. Nothing is uploaded, and there is no account.
5 free letters
A starter library of printable letters you can use without signing up for anything.
Every guide on this site, grouped by what you need
Each one is written from primary sources and cites the statute section it relies on, so you can check the claim yourself instead of taking our word for it. Where we could not verify something, the page says so rather than filling in the gap.
Bureau addresses
Where a dispute actually goes — and the free online route each bureau puts first.
The Equifax dispute address
Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374-0256. With the free online dispute that is faster than mail, what to put in the envelope, and the 30-day clock.
The Experian dispute address
P.O. Box 4500, Allen, TX 75013, plus what Experian’s own dispute page asks you to have in hand before you send anything.
The TransUnion dispute address
P.O. Box 2000, Chester, PA 19016-2000. This is the one we could only confirm from archived captures rather than a live page, and the page says so and tells you to re-check it yourself.
Letters and templates
The text you send, and the rules that govern what happens after you send it.
Credit dispute letter templates, and where to send them
All nine FCRA letter templates in one place, each printed with the mailing address it belongs to underneath it.
The debt validation letter, in full
A complete 15 U.S.C. §1692g letter with the fill-in fields left blank for you, and the five things a collector must have told you within five days.
A debt collector dispute letter, and what it does not mean
The collector-side letter, why validation is about proving the debt rather than admitting it, and why disputing is not an admission under §1692g(c).
Credit report problems
The two items that come up most often, and what the statute says about each.
A charge-off stays on your credit report for seven years
Why the clock in 15 U.S.C. §1681c(a)(4) runs for seven years from 180 days after you first missed a payment — and why the “four years” you have read elsewhere is not in any law.
Medical debt can still appear on your credit report
The 2025 federal rule was set aside before it ever took effect, so nothing changed for you. Here is what federal law requires now and what New York, California and Delaware still add on top.
Buy now, pay later and fintech
Which of these reach a bureau at all — and which answers we could not verify from the company’s own pages.
Does Affirm report to credit bureaus?
Which Affirm products reach which bureau, from what date, and the two cells the company’s own statements do not settle.
Does Klarna report to credit bureaus?
Klarna’s US reporting broken down by product and bureau, with the rows we could not confirm marked unverified rather than filled in from a blog.
Does Afterpay report to credit bureaus?
What Afterpay’s own US statements do and do not cover, and the open questions around Pay Monthly and Cash App.
Two things this site will never do: promise you an outcome, or take money from a bureau or a collector. We are paid by readers, never by the companies whose records are being disputed. How this site works and who stands behind it.
Your first letter is free
No account, no card, no waiting. Answer the questions, print the letter, and start the clock today.
Want all 9 templates on paper? See the Letter Kit — $9 one-time.
Common questions
Are you a credit repair service or a law firm?
Neither. We are NOT a credit repair company — we are software. You write, send and track your own disputes. We do not act on your behalf, and we do not promise any result.
Do you send the letter for me?
No. You get the finished text and you choose how to send it: print and mail it with proof of delivery, or paste it into the bureau's own online dispute form. We show you both paths.
Where is my data stored?
In your browser, on your device — using local storage. There is no account and no server-side database. Your letters, documents and medical details never leave the browser.
What do the free tools include?
3 generated letters per calendar month plus the basic tracker, and 5 free printable letter templates. The counter resets automatically each month. If you want all 9 templates on paper, the DisputeDesk Letter Kit is $9 one-time — you pay once and download the printable PDF.
What happens when the bureau answers?
You update the status in the tracker: corrected, upheld, or still investigating. Each status gets its own next action, including requesting a re-investigation when an item is upheld.
Can I get a refund?
Yes. The Letter Kit has a 3-day refund on request after purchase — there is nothing to cancel, because it is a one-time purchase and no subscription exists. Details are on the pricing page.