Fill in the blanks and get a mail-ready dispute letter for each credit bureau — written to the Fair Credit Reporting Act. Free, and yours to print or copy.
This is the name and address the letter is from, and where the bureau will send results. The last 4 of your Social Security number and your date of birth are optional, but they help the bureau match your file faster.
Add one block per item you're disputing. You can put several on a single letter.
Dispute with every bureau that shows the error — they keep separate files. Adding the company that reported it (the "furnisher") closes the loophole where one points at the other.
This tool produces a general-purpose dispute letter based on the Fair Credit Reporting Act and is legal information, not legal advice, current as of June 2026. It does not create an attorney–client relationship. Review your letter before sending, and consult a licensed Florida attorney about your specific situation — especially if a bureau verifies an error you know is wrong.