Credit Bureau Dispute

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Before you start — about 8 minutes

Upload your credit report — or just the part showing the item you're disputing. Point out what's wrong: an account that isn't yours, a balance or status that's incorrect, a late payment you didn't make, or something that should have aged off. FightThis drafts a formal dispute to the credit bureau (Equifax, Experian, or TransUnion) that invokes your FCRA right to an investigation. You review it, you send it. Tip: include a copy of your ID and proof of address — bureaus ask for these to verify it's you.

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1 — Upload or paste the documents

Upload what you received — you can select multiple files — or paste the text. Both optional if you have all details below.

Upload documents (PDF, JPEG, PNG — up to 5 files, 25 MB each)

Or paste text (copy from the letter, notice, or bill)

2 — Your situation

More detail = stronger letter.

Which credit bureau? *

Creditor / furnisher on the item

Account number on the report

What's wrong with the item? *

Explain the inaccuracy

3 — Your information

Goes on the letter as the sender. We'll email you a link back to your draft.

Full name *

Street address *

Apartment, suite, etc. (optional)

City *

State *

ZIP *

We verify your address with USPS so your letter reaches its destination.

Email address *

We'll send a link back to your draft. No spam.

Free preview. No credit card required.