Free Dispute Letter Generator

Build a dispute letter in a few minutes. Choose who you are writing to, pick the letter you need, add the account details and your contact information, and watch the letter take shape in the live preview. When it looks right, we email it to you as a PDF with step-by-step mailing instructions.

Letters are written in English because they go to US credit bureaus, collectors and lenders. We never ask for your full Social Security number; the letter leaves a line for you to fill in by hand. This is a self-help tool, not legal advice, and you decide whether to send the letter. Send it by certified mail and keep copies of everything.

Step 1 of 4

1. Who are you writing to?

We filled in the collector name from the watchlist. Add the mailing address from their letter.

Use the address on the collector’s validation notice or the lender’s statement.

2. What do you want to do?
3. Account details

4. Your details and delivery

How should we deliver it?

We send the letter here. We never ask for your full Social Security number.

Self-help tool, not legal advice. You decide whether to send it. Privacy

En español