<?xml version="1.0" encoding="UTF-8"?>
<!--
  DisputeDesk sitemap — rebuilt 2026-10-15 (run 20261015-content-engine, builder I2).

  lastmod rule used here:
    2026-10-15 = created or materially edited in this run (the homepage hub, the nine
                 new content pages, the two extended pages, and the three E-E-A-T pages).
    2026-10-07 = the page's real last modification date, carried forward unchanged from
                 the previous sitemap (compose, escalation, bureau-addresses, free,
                 tracker, pricing, legal). Those files were not touched in this run.

  Deliberately NOT listed:
    /thank-you.html  — <meta name="robots" content="noindex, nofollow">, post-purchase only
    /download.html   — <meta name="robots" content="noindex, nofollow">, post-purchase only
    /kit.html        — the PDF source; robots.txt Disallow, must never be served
    /downloads/      — robots.txt Disallow; the PDF is delivered inside the Whop member area
    /etsy/…          — an Etsy listing page, not a notedar.com URL; not part of this sitemap
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- HOME -->
  <url>
    <loc>https://notedar.com/</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- MONEY / TOOL PAGES -->
  <url>
    <loc>https://notedar.com/compose.html</loc>
    <lastmod>2026-10-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://notedar.com/pricing.html</loc>
    <lastmod>2026-10-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://notedar.com/free.html</loc>
    <lastmod>2026-10-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://notedar.com/tracker.html</loc>
    <lastmod>2026-10-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- BUREAU ADDRESSES — the three per-bureau pages plus the master list -->
  <url>
    <loc>https://notedar.com/equifax-dispute-address.html</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://notedar.com/experian-dispute-address.html</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://notedar.com/transunion-dispute-address.html</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://notedar.com/bureau-addresses.html</loc>
    <lastmod>2026-10-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- LETTERS AND TEMPLATES -->
  <url>
    <loc>https://notedar.com/dispute-letter-templates.html</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://notedar.com/debt-validation-letter.html</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://notedar.com/collection-agency-dispute.html</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- CREDIT REPORT PROBLEMS -->
  <url>
    <loc>https://notedar.com/charge-off-removal.html</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://notedar.com/medical-debt.html</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- BNPL AND FINTECH -->
  <url>
    <loc>https://notedar.com/bnpl-credit-reporting.html</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://notedar.com/klarna-credit-report.html</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://notedar.com/afterpay-credit-report.html</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ESCALATION -->
  <url>
    <loc>https://notedar.com/escalation.html</loc>
    <lastmod>2026-10-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- TRUST AND ACCOUNTABILITY (YMYL) -->
  <url>
    <loc>https://notedar.com/about.html</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://notedar.com/author.html</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://notedar.com/editorial-policy.html</loc>
    <lastmod>2026-10-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://notedar.com/legal.html</loc>
    <lastmod>2026-10-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

</urlset>