Free AI Dispute Letter Generator
AI-Powered Credit Dispute Letter Generator
Stop sending generic templates the bureaus ignore. Our AI designs human-variant legal sequences with randomized phrasing and Metro-2 awareness.
How It Works
Select Dispute Type
Choose the type of dispute that matches your situation
Input Details
Provide the necessary information about your dispute
AI Generation
Our AI creates a customized, legally-sound dispute letter
Download Letter
Get your letter as a PDF ready to print and send
AI Dispute Letter Generator
Follow the steps below to create your customized dispute letter
Step 1: Select Your Dispute Type
Remove Late Payment
Dispute inaccurate late payment records on your credit report.
Delete Collections Account
Challenge collection accounts that are inaccurate, outdated, or not yours.
Remove Hard Inquiry
Dispute unauthorized hard inquiries that you didn't approve.
Correct Account Information
Fix errors in account details like balance, credit limit, or payment history.
Remove Bankruptcy
Dispute bankruptcy information that is inaccurate or outdated.
Identity Theft Dispute
Challenge accounts or inquiries resulting from identity theft.
The 'Start Repairing Credit' Challenge
Learn how to have a life-changing impact on anyone's financial health in just 90 minutes a day for 5 days... for FREE!
Success Stories
John D.
Credit Score: 580 → 720
"I used this tool to dispute 3 collections accounts that weren't mine. Within 30 days, all three were removed and my score jumped 140 points!"
Sarah M.
Credit Score: 620 → 750
"The AI generator created a perfect letter for my late payment dispute. The creditor removed it from my report, and I was approved for a mortgage the next month!"
Robert T.
Credit Score: 550 → 680
"I had 5 hard inquiries I never authorized. Using these dispute letters, I got all of them removed in just 45 days. My score improved by 130 points!"
Frequently Asked Questions
Ready to Improve Your Credit?
Generate your personalized dispute letter today and take the first step toward better credit.