Create Professional Dispute Letter
Generate legally compliant credit dispute letters
Letter Type *
Credit Bureau Dispute (Section 611)
Dispute inaccurate items with Experian, Equifax, or TransUnion
Method of Verification Request
Request proof of how disputed information was verified
Direct Creditor Dispute (Section 623)
Dispute directly with the original creditor or collector
Debt Validation Request
Force debt collectors to prove they own the debt
Goodwill Letter
Request removal of accurate but negative items
Cease & Desist Letter
Stop debt collector harassment legally
Inquiry Removal Request
Remove unauthorized hard inquiries
Identity Theft Affidavit
Report fraudulent accounts from identity theft
Request for Reinvestigation
Force bureau to re-verify after initial dispute
Deceased Person Letter
Remove deceased person's information
Pay-for-Delete Offer
Negotiate debt payment for removal
Debt Settlement Offer
Offer lump sum to settle debt for less
Statute of Limitations Defense
Challenge time-barred debts
Your Information
Letter Details
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Letter Strategy Guide
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Template Library
Pre-built templates for common dispute scenarios
Late Payment Dispute
Dispute incorrectly reported late payments
Collection Account
Challenge unverified collection accounts
Identity Error
Dispute accounts that don't belong to you
Incorrect Balance
Challenge wrong balance amounts
Closed Account Status
Fix incorrect account status reporting
Duplicate Account
Remove duplicate entries from report
Credit Bureau Addresses
Official mailing addresses for dispute letters
Experian
P.O. Box 4500
Allen, TX 75013
Phone
1-888-397-3742
Equifax
P.O. Box 740256
Atlanta, GA 30374
Phone
1-800-864-2978
TransUnion
P.O. Box 2000
Chester, PA 19016
Phone
1-800-916-8800
📬 Mailing Tips
- ✓ Always send disputes via Certified Mail with Return Receipt for proof of delivery
- ✓ Keep copies of all letters and supporting documents
- ✓ Bureaus have 30 days to investigate and respond
- ✓ Include copies of ID and proof of address with your first dispute
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