Clarity. Confidence. A stronger financial future.
Understand your credit. Take your next step with confidence.
Describe a credit-report error in your own words. We'll help you turn it into a clear, personalized dispute letter you can print and mail to the credit bureaus.
Want to look around first? Explore the demo with synthetic data.
“Owe no man nothing but love.”
Inspired by Romans 13:8 (paraphrase)
How it works
No credit report upload needed. Five calm steps from describing the error to tracking the bureau's reply.
- 1
Choose your dispute type
Pick the kind of error you want to dispute — an account that isn't yours, a wrong balance, a payment marked late, and more.
- 2
Describe it in your own words
Tell us what happened. AI turns your description into a clear, fact-based dispute statement you can edit.
- 3
Compare two letter styles
See a short, direct version and a formal, detailed version side by side. Pick the one you prefer.
- 4
Print and mail it yourself
Download your letter as a PDF or Word file, or print it. We show you each bureau's mailing address.
- 5
Track each bureau's response
Confirm when you mailed it, then record each bureau's reply and watch the status of every letter.
Your letter, your choice
Every dispute produces two versions of the same facts. You compare them side by side and choose the tone that feels right — nothing is sent without your approval.
Option A
Short and direct
A concise letter that states the error, the correction you're requesting, and the facts you confirmed — nothing more.
Option B
Formal and detailed
A fuller letter that walks through the facts and asks the bureau to investigate under the Fair Credit Reporting Act.
Plain facts, up front
- Consumers can dispute credit-report errors directly with the bureaus for free.
- Accurate negative information is not automatically eligible for removal.
- You review and approve every letter before it is downloaded.
- ThirteenEight does not mail letters or submit disputes for you.
- Results vary. No outcome is promised.