Dispute wrong credit report items yourself

Letter templates, a plain guide and a tool that fills in your letters. One price.

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Your report itemsDana R. Whitfield ยท Atlanta, GA
1
Auto loan, Peachtree Credit UnionShows 30 days late, March 2025. Bank record shows paid March 3.
Can be disputed
2
Repossession listed twiceSame vehicle appears under two accounts.
Can be disputed
3
Collection, Southern Recovery GroupYou have no letter proving the debt is yours.
Ask for proof
4
Store card, 90 days late, 2023You agree this one is accurate.
Not disputed
3 letters readyDownload to print

A filled-in letter, ready to print

You list the item and why it looks wrong. The tool writes the letter. Here is one.

Dana R. Whitfield
1180 Marietta St NW, Apt 4C
Atlanta, GA 30318
November 9, 2026

Equifax Information Services LLC
Consumer Dispute Department
Atlanta, GA

Re: Dispute of inaccurate information, Peachtree Credit Union auto loan

To whom it may concern,

I am writing to dispute an item on my credit report. The account listed above shows a 30-day late payment for March 2025. This is not correct.

My payment was made on March 3, 2025, before the due date. I have enclosed a copy of my bank statement showing the payment.

Please investigate this item and correct or remove it if it cannot be verified. Send me the results in writing.

Sincerely,
Dana R. Whitfield

Enclosed: bank statement, March 2025

  1. 1Goes to the bureau first, where the dispute process starts.
  2. 2Your own words about why it is wrong, filled in from your answers.
  3. 3Says what proof you enclosed, so the reader can check it.
  4. 4Asks for a fix only if it can't be verified. It never promises a deletion.

One price, paid once

No monthly fee. You print and mail the letters yourself.

$39once
  • Letter templates for late payments, repos and collections
  • A plain guide to what can honestly be disputed
  • The tool that fills in each letter
  • A tracker for mail dates and replies
Get the kit
Will this delete my bad items?No. It helps you dispute items that are wrong or can't be verified. It doesn't promise to remove accurate items.
Is there a monthly fee?No. You pay once for the kit.
Who do the letters go to?The credit bureaus and the creditors or collectors on your report.
Do you mail them for me?No. The tool fills in your letters and you print and mail them yourself.

How it works

01

Pick the wrong items

Choose what looks wrong on your report.

02

Letters are filled in

One for each bureau or creditor.

03

Mail and track

Print, mail, and log replies with the guide.

A young woman in her mid-twenties sits at a kitchen table in a small apartment, looking over a printed credit report with a pen in hand and a laptop open beside her

Wrong items challenged, no monthly fee.

Get the kit