What DisputeDesk is, who it is for, and who pays us
DisputeDesk is software you run yourself. It turns answers you give into a printable letter, and then counts the days since you sent it. It does not send anything for you, it does not represent you, and it does not promise that any item will be removed.
Checked 15 October 2026. The statutory facts on this page — the 30-day dispute window in 15 U.S.C. §1681i(a)(1)(A), the five-day validation duty in 15 U.S.C. §1692g(a), and the burden of proof in 15 U.S.C. §1681i(a)(5)(B)(i) — were read from the US Code as published at law.cornell.edu in this run. Each is cited by section so you can read it yourself.
What this site actually is
Three things, all of them the same size in our minds:
- Free browser-based tools. A letter composer that generates 3 dispute letters per calendar month, a deadline tracker, and 5 free printable letter templates. No account, no card, no email address.
- A $9 Letter Kit, sold once. All 9 FCRA dispute letter templates as a printable PDF, plus a tracker sheet and a proof-of-delivery checklist. There is no subscription, nothing renews, and there is nothing to cancel.
- Free reference pages that cite themselves. Every guide on this site names the statute section it relies on and the date its sources were checked. You do not need an account to read any of them, and you do not need to buy anything.
Everything runs locally in your browser. Your letters, notes and tracker rows live in your browser’s local storage on your own device. There is no account and no server-side database, and nothing you type is uploaded to us.
Who it is for
It is built for a person who knows something specific is wrong — a balance that was never yours, the same collection twice, a medical bill after insurance paid it, a debt sold to a company you have never heard of — and who needs to say so in writing to the right office before a clock runs out.
It is also for the person who already sent a letter three weeks ago and has no idea whether the 30 days are nearly up. That is the whole reason the tracker exists.
It is not built for someone who wants a company to handle their file, and it is not a substitute for advice about a lawsuit, a settlement negotiation, a court date or an eviction. Those are lawyer conversations. See who reviews this content and how the pages are sourced for how we keep that line.
The right underneath it is yours, not ours
The law does most of the work here, and it is free to use. Under 15 U.S.C. §1681i(a)(1)(A) you may dispute the accuracy of information on your file, the dispute is free of charge, and the bureau has 30 days from receipt to complete its investigation. Under §1681i(a)(1)(B) it may take up to 15 further days if it tells you that it is doing so and explains why. Under 15 U.S.C. §1692g(a) a debt collector must send you the validation notice within five days of the first communication, and under §1692g(c) disputing a debt is not an admission that you owe it.
And the burden is not yours: under 15 U.S.C. §1681i(a)(5)(B)(i), information a bureau removed on your dispute may not come back “unless the person who furnishes the information certifies that the information is complete and accurate.”
We write the letter and count the days. You exercise the right and you send the letter. That division is deliberate, and it is also the reason the pages here read like reference material rather than like an advertisement. Start with the dispute letter templates, or with the debt validation letter if the debt came from a hospital or a utility rather than from a collection agency.
What we do not do
- We are not a law firm and we do not give legal advice. We restate public law and cite it by section.
- We are not a credit repair company. We do not sell “credit repair”, we do not remove items, and we do not watch a file for new negative information. Calling this service credit repair would be both inaccurate and the fastest way to lose the ability to operate.
- We never promise or imply an outcome. Not “removed”, not “fixed”, not “cleared”. Nobody can honestly promise you what a bureau or a court will decide.
- We do not send your mail and we do not talk to anyone for you. No power of attorney, no representation, no “done-for-you” tier.
- We are not affiliated with the CFPB, Equifax, Experian, TransUnion, or any collection agency, creditor, hospital or state attorney general named anywhere on this site.
The full version of these disclosures is on the terms and disclosures page.
How it makes money
One sentence, then the detail: we sell self-serve letter templates, and we take no payment from any bureau or collector.
- We sell a product to you, once. The Letter Kit is a one-time $9 purchase of files you own and can keep. Nothing renews and there is no subscription to cancel. Details on the pricing page.
- No bureau, collector, lender or servicer pays us anything. There is no referral fee, no affiliate deal, no placement deal and no advertising on any page that answers a question about a dispute.
- No credit-repair service and no debt-settlement company advertises here. It is tempting, because that is the obvious way to monetise this traffic. We decided against it deliberately, and the reasoning is on the editorial policy page.
- The free tools stay free. If a revenue stream would ever change the honest answer to a question on this site, we would drop it or say so on this page. That is the test we hold it to.
Who stands behind the words
This site is finance-adjacent content: it tells you what your rights are and how long you have to use them. That is the category where a confident wrong answer costs someone real money, so the words carry more weight than usual.
Every page here has an organisational byline that points to the byline page. That page sets out the review standard in full and is explicit about something we would rather lose a click than fudge: we do not name an individual reviewer, because we have not retained one whose credentials we could verify. Publishing a name and a qualification we could not confirm would be a false statement on a page about statutory rights, and it would be the worst possible lie for us to tell. The editorial policy says what would have to be true before a person is named, and what a reader should check in the meantime.
Questions people ask about us
Is DisputeDesk a credit repair company?
No. DisputeDesk is software you run yourself in your browser. It formats a letter you already know how to write and counts the days since you sent it. We do not contact any bureau, creditor or collector on your behalf, we do not manage your file, and we do not promise any result.
Does any credit bureau, debt collector or lender pay DisputeDesk?
No. We have no referral fee, affiliate deal or advertising relationship with any credit bureau, debt collector, credit-repair service or debt settlement company. Money comes from readers who buy the Letter Kit once.
Who writes and checks the pages on this site?
Content is researched from primary legal sources and reviewed against the statutory text before publication. Every page carries an organisational byline and links to the byline page, which sets out the review standard and says plainly that no individual reviewer is named.
Does DisputeDesk keep my documents?
No. Your letters, notes and tracker rows are stored in your browser’s local storage on your own device. There is no account and no server-side database, and nothing you type is uploaded.
Do you give legal advice?
No. DisputeDesk is not a law firm. The reference pages on this site restate what the Fair Credit Reporting Act and the Fair Debt Collection Practices Act say, quoting them by section so you can check the text yourself. If you need advice about your own situation, that is a conversation with a lawyer.
Looking for something specific? The guides are grouped by what you need: bureau addresses, letters and templates, report problems, and buy-now-pay-later reporting.