Dispute Center · FCRA-based

Challenge what’s wrong on your reports. On your terms.

Storehouse finds items that may be inaccurate, incomplete or unverifiable, drafts a letter per item and per bureau, and tracks every response. You review and approve each letter as your own dispute, then Storehouse prints, mails and tracks it ($4.99 per item).

Open the Dispute CenterBrowse letter templates

Storehouse is self-directed software and doesn’t dispute on your behalf. Accurate information can’t be removed, and no result is promised.

Draft · round 1 · sample

Jordan Ellis · 1200 Sample St · Atlanta, GA 30301

Re: Request for reinvestigation of inaccurate information (FCRA § 611)

I am writing to dispute the following information in my file. The item is inaccurate, and I request that it be investigated and corrected or deleted.

Disputed item: Auto loan ··7731 — reported 30 days late (March)
Jordan EllisEditApprove & send
Round 1Sample data
Experian✓ Removed
Late payment · Auto loan
EquifaxIn review
Collection · Medical
TransUnionSent
Duplicate account · Card

Cites your FCRA rights

Every letter references the section it relies on

You approve every letter

Nothing is mailed until you approve it

Per item, per bureau

Experian, Equifax and TransUnion handled separately

Mailed or downloaded

$4.99 per item, printed, mailed and tracked

How disputes work

Four steps, and you approve every letter.

Storehouse organizes the work. You decide what to challenge and how each letter is sent.

  1. Step 1: Start your trial and connect your 3-bureau report

    Plus is 30 days free. Your Experian, Equifax and TransUnion reports load side by side, each with its own VantageScore® 3.0. Checking your own credit is a soft inquiry, so it won’t affect your score.

    Your 3-bureau reportSample data
    • ExperianConnected712
    • EquifaxConnected698
    • TransUnionConnected705

    VantageScore® 3.0 · Plus trial, day 1 of 30

  2. Step 2: Storehouse flags possible errors

    Items that may be inaccurate, incomplete or unverifiable are flagged across Experian, Equifax and TransUnion, each with a plain-English reason. You choose what to challenge.

    Possible errorsSample data
    • Experian
      Late payment · Auto loan
      Paid on time that month
      Review
    • Equifax
      Collection · Medical
      Same debt listed twice
      Review
    • TransUnion
      Address
      Not an address you’ve used
      Review

  3. Step 3: You review and approve each letter

    Storehouse drafts an FCRA-based dispute letter per item and per bureau. Read it, edit anything, add supporting documents, then approve it as your own dispute.

    Dispute letterSample data
    EquifaxDraft · round 1

    Re: Collection, Medical, acct ··3190

    I am writing under section 611 of the Fair Credit Reporting Act to dispute this item, which is listed twice…

    EditApprove letter

  4. Step 4: Choose how to send it

    Storehouse prints, mails and tracks it for $4.99 per item, so the delivery date and the bureau's 45-day clock are recorded.

    How it gets sentSample data
    EquifaxCollection · MedicalLetter approved
    Storehouse prints and mails it$4.99
    Tracked to delivery, so the response window is dated
    1. Sent / Mailed
    2. In review
    3. Response received

When a bureau verifies an item you still believe is wrong, Storehouse helps you prepare a follow-up round with more supporting proof. Only inaccurate, incomplete or unverifiable information can be corrected or removed. No outcome, score change or timeframe is promised. You can always dispute directly with each bureau yourself.

How each letter you approve gets sent.

Storehouse mails and tracks it

$4.99per item

Covers printing, postage and tracking.

  • We print and mail the letter you approved
  • Mailed and tracked, with no printer, envelope or stamps needed
  • Delivery recorded, so the bureau's response window is dated
  • Status shown in your Dispute Center

Dispute Center status

  1. Sent / Mailed
  2. In review
  3. Response received

Either way, it’s your own dispute, and nothing is sent until you approve the letter. Bureau outcomes aren’t guaranteed and response times vary; bureaus generally have 30 days to investigate (up to 45 in some cases).

Inside the app

Every flagged item, letter and response in one place.

storehouse360.com/disputes
Dispute Center
Updated today
Sample data
Round 1 · 3 bureaus
Dispute Center · Round 11 of 3 removed
Experian
✓ Removed
Late payment · Auto loan
Equifax
In review
Collection · Medical
TransUnion
Sent
Duplicate account · Card
Flagged for review
  • Store card ··2204Balance mismatch
  • Auto loan ··7731Late after payoff
Letters
EquifaxMedical collectionApproved
ExperianAuto loanSent
TransUnionDuplicateSent

Product screens use sample data for illustration.

What it can help with

The errors people find most often.

If an item is inaccurate, incomplete or can’t be verified, you have the right to challenge it.

Wrong personal information

Misspelled names, old addresses or employers that aren’t yours, which can signal a mixed file.

Accounts that aren’t yours

Accounts you never opened. If you think it’s identity theft, IdentityTheft.gov explains extra steps.

Duplicate accounts

The same debt listed twice, for example by an original creditor and a collector, or by two collectors.

Incorrect late payments

A late mark in a month you paid on time, or after an account was paid off.

Wrong balances or limits

A balance that doesn’t match your statement, or a missing credit limit that inflates utilization.

Outdated or unrecognized items

Negative items past the reporting period, or hard inquiries you didn’t authorize.

What Storehouse does

  • Flags items that may be inaccurate, with the reason
  • Drafts FCRA-based letters per item and per bureau
  • Lets you edit and approve each one as your own
  • Prints, mails and tracks each approved letter for $4.99 per item
  • Tracks every response and prepares follow-up rounds
  • Shows how resolved items connect to your Funding Score

What Storehouse doesn’t do

  • It isn’t a law firm or a service that disputes for you
  • It doesn’t mail anything without your approval
  • It doesn’t dispute on your behalf
  • It can’t remove accurate, current, verifiable information
  • It doesn’t promise results, score changes or timeframes

Prefer to write your own?

Start with a template. No account needed.

Our letter templates cover the most common dispute types. Fill in your details, preview the letter and download it as a text file you can print and mail yourself.

Browse the templatesRead: how to dispute your credit report →
Draft · round 1 · sample

Jordan Ellis · 1200 Sample St · Atlanta, GA 30301

Re: Request for reinvestigation of inaccurate information (FCRA § 611)

I am writing to dispute the following information in my file. The item is inaccurate, and I request that it be investigated and corrected or deleted.

Disputed item: Hard inquiry, Jan 12 — I did not authorize this application
Jordan EllisEditApprove & send

FAQ

Frequently asked questions.

Still have questions? Contact us →

No. Storehouse is self-directed software. It flags items that may be inaccurate, drafts letters that cite your rights under the Fair Credit Reporting Act (FCRA), and tracks responses. You review, edit and approve every letter as your own dispute, then Storehouse prints, mails and tracks it. Storehouse doesn’t dispute on your behalf and doesn’t promise any outcome.

No. Under the FCRA you have the right to dispute inaccurate information directly with Experian, Equifax and TransUnion yourself, by mail or on each bureau’s website. Storehouse is an optional tool that organizes the work: finding possible errors, drafting letters and tracking every round.

Bureaus generally have 30 days to investigate a dispute, and up to 45 days in some cases (for example, if you send more information during the investigation). Storehouse tracks each letter from the day it’s mailed, and response times vary.

No, and nobody can. Only inaccurate, incomplete or unverifiable information can be corrected or removed. Accurate, current and verifiable information stays on your report for the period the law allows.

It might, or it might not. It depends on what is on your report, whether the items are actually inaccurate and how each bureau responds. No outcome, score change or timeframe is promised.

The Resolution Engine (dispute letters you approve) is included with the Plus and Elite plans. Mailing is charged per item: when Storehouse prints, mails and tracks a letter, it’s $4.99 per item, which covers printing, postage and tracking, so the delivery date and the bureau’s response window are on record. Plus pricing and trial terms: 30 days free, then $59.99/mo. A card is required up front, today’s total is $0.00, and you’re charged when the trial ends unless you cancel before day 30. Elite includes everything in Plus.

Explain what is wrong and why, identify the account, and attach copies (never originals) of anything that supports your dispute, such as a statement or a payment confirmation. Storehouse prompts you for supporting documents when a round needs them.

Related

Keep exploring

Credit Monitoring

See all 3 bureaus side by side.

Letter templates

Fill in, preview and download a letter.

How to dispute

A step-by-step guide to your FCRA rights.

Pricing

Plus and Elite compared.

Find out what’s on all three of your reports.

Create an account, see your reports, and decide what, if anything, to challenge.

Create my accountSee pricing

Plus: 30 days free, then $59.99/mo. Today’s total is $0.00. Card required up front. You’ll be charged $59.99/mo when the 30-day trial ends unless you cancel before then. Cancel anytime. New members only. Checking your own credit in Storehouse is a soft inquiry and doesn’t affect your score.