Errors on your credit report aren't permanent.
1 in 5 credit reports contains an error (FTC study, 2012). DisputeKit finds what's disputable in yours and writes the formal letters that force the bureaus to investigate — in plain English, in minutes.
How it works
Three steps. Zero legal skills.
Create your free account, then you're guided the whole way — upload, review in plain English, mail your letters.
Upload your report
The same free PDF from AnnualCreditReport.com. Social Security numbers are auto-redacted on your device before analysis.
Parsed in your browser — you control your data
Review & attest
We translate bureau jargon into plain English. You review, edit, or remove every flagged item — AI suggests, you decide — then confirm you're only disputing what you believe is inaccurate.
Nothing is mailed without your approval
Mail your letters
Formal FCRA §611 letters for Experian, Equifax, and TransUnion, plus direct creditor disputes. Print, sign, send by certified mail.
Tracker + round-two toolkit included
Honest comparison
DisputeKit vs. the $100/month alternatives.
Same formal letters. Same federal law. The difference is who does the work — and who keeps the money.
Price
DisputeKit You
Free tier; paid plans from $19/mo (TBD)
Typical credit-repair company
$69–$150/mo typical, ongoing
Doing it yourself (DIY)
$0 (your time + postage)
Contracts / lock-in
DisputeKit You
None — cancel anytime
Typical credit-repair company
Often month-to-month billing that continues until you cancel
Doing it yourself (DIY)
None
Who does the work
DisputeKit You
You, in ~5 minutes, guided
Typical credit-repair company
They mail form letters for you — monthly
Doing it yourself (DIY)
You, unguided (research the law yourself)
Transparency
DisputeKit You
You see and edit every flagged item and every letter
Typical credit-repair company
You rarely see the actual letters sent on your behalf
Doing it yourself (DIY)
Full control, zero guidance
Your data
DisputeKit You
Parsed in your browser; your account stores only your letters & history; delete anytime
Typical credit-repair company
Your full report + SSN held on their servers
Doing it yourself (DIY)
Your responsibility entirely
Outcome promises
DisputeKit You
None — and that's honest. We're an educational tool, not a law firm. No one can guarantee deletions or score increases.
Typical credit-repair company
Watch for guaranteed results — the CROA bans deceptive guarantees
Doing it yourself (DIY)
No promises, no help
Free dispute right
DisputeKit You
Built in: we remind you that disputing directly with bureaus is always free
Typical credit-repair company
Rarely mentioned
Doing it yourself (DIY)
You already know
Competitor pricing reflects typical advertised rates for national credit-repair services (2024–2026). Verify before launch.
Cost-per-dispute math, not marketing.
Typical credit-repair company
$1,188/yr
12 months × ~$99/mo = ~$1,188/yr (typical, illustrative)
DisputeKit
$0/yr
DisputeKit Free = $0/yr · Plus $228/yr (TBD)
Is DisputeKit cheaper than credit-repair companies?+
Yes — the Free tier costs $0 and paid plans start at $19/mo (pricing TBD), versus typical $69–$150/mo ongoing for national credit-repair services. And the core action is identical: formal dispute letters mailed to the bureaus.
Can I dispute on my own for free?+
Absolutely — it's your federal right (FCRA §611), and you never need to pay anyone to do it. DisputeKit just removes the hard parts: finding what's disputable, citing the right law, using verified bureau addresses, and tracking the 30-day clock.
Is DisputeKit a credit-repair company?+
No. We're a software tool that helps you prepare your own dispute letters. We're not a law firm and this isn't legal advice. You review and mail your own disputes — which is exactly why there's no $100/month retainer.
How is this different from asking ChatGPT to write my letters?+
ChatGPT doesn't know the verified bureau mailing addresses, the dispute-reason structure, or the round-two process (Method-of-Verification requests, direct furnisher disputes under §623, CFPB escalation). DisputeKit builds the complete package — letters, enclosures checklist, 30-day tracker — and keeps your history in your account.
What's inside
Features built for clarity and control.
Everything you need to manage your dispute process.
AI issue flagging
Upload your report and get every potential issue translated into plain English — what it says, why it may be disputable, and the exact FCRA basis.
Editable findings
AI suggests — you decide. Review, edit, or remove every flagged item before any letter is generated. Nothing goes out you didn't approve.
Bureau + furnisher letters
Formal §611 letters for Experian, Equifax, and TransUnion with verified mailing addresses — plus direct §623 disputes to the creditors themselves.
Round-two toolkit
If a bureau “verifies” anyway, generate a Method-of-Verification letter demanding they show their work — they must describe their procedure within 15 days.
30-day tracker
A personal timeline from mailing day to results day, saved in your account. Bureaus must finish investigations within 30 days of receiving your dispute (45 in some cases) — we count it down for you.
CFPB escalation guide
Still stuck? A guided path to the official Consumer Financial Protection Bureau complaint portal.
Pricing
Start free. Upgrade only if you need more.
Free
$0
1 dispute package / month
- 1 dispute package / month
- 3 bureau letters
- 30-day tracker
- No credit card required
Plus
$19/mo
Launch pricing — to be confirmed
- 10 analyses / month
- 30 letters / month
- 12-month history
- Priority AI processing
- Email support
Card required — cancel anytime
Pro
$49/mo
Launch pricing — to be confirmed
- Unlimited analyses (fair use)
- Furnisher letters
- Unlimited history
- Priority support
Card required — cancel anytime
Prices in USD. Cancel anytime from Settings — your letters and history stay in your account. Payment processing launches soon; paid plans activate when it does.
FAQ
Questions everyone asks
Is DisputeKit a law firm?+
No. DisputeKit is an educational document-assistance tool — not a law firm, and nothing here is legal advice. You review, sign, and mail your own disputes. For complex situations (identity theft, mixed files), we point you to free official resources like IdentityTheft.gov and encourage consulting a consumer attorney.
Can disputing hurt my credit score?+
Filing a dispute is your federal right, and the act of disputing doesn't lower your score — the bureau simply marks the item “in dispute” while it investigates. What can change your score is the outcome: if inaccurate information is corrected or removed, that can help; there's no guarantee either way, and anyone promising a specific score increase is misleading you.
Do you store my credit report?+
Your PDF is parsed and your Social Security number is redacted entirely in your browser — the raw file never leaves your device. Your account stores your analyses, your (edited) findings, and your generated letters so you have a history — and you can delete any of it, or your whole account, anytime from Settings. Only redacted text is ever sent to our AI provider.
Is this really free? What's the catch?+
The Free plan is genuinely free — no credit card, no trial timer. The catch is the quota: 1 dispute package per month. Paid plans raise the limits. You'll also pay postage yourself (certified mail — check current USPS rates; it's your legal proof of delivery).
How long does the whole process take?+
About 5 minutes to create your account and generate your letters. Once mailed, federal law gives bureaus 30 days from receipt to complete their investigation (45 days in some cases, e.g. if you send additional information mid-investigation). Your tracker counts down from your mailing date.
What if the bureau says the item was “verified”?+
That's round one, not the end. You can demand to know how they verified it — a Method-of-Verification request under FCRA §611(a)(7) — and they must describe their procedure within 15 days. You can also dispute directly with the creditor that reported the item (§623) or file a CFPB complaint. DisputeKit generates all three.
Can I just dispute on my own for free?+
Yes — absolutely. It's your federal right under FCRA §611, and you never need to pay anyone to do it. DisputeKit just removes the hard parts: finding what's disputable, citing the right law, using verified bureau addresses, and tracking the 30-day clock.
What happens to my data if I cancel a paid plan?+
Your account drops to the Free plan; your letters and history stay accessible within Free-plan limits. Nothing is deleted on cancel — only if you choose “Delete account” in Settings.
Your report has errors.
Now you know what to do about them.
Create your free account — 5 minutes, no credit card, and your first dispute package is ready tonight.
Start free — no card required →Free to start · Cancel anytime · You control your data