Dispute Letters You
Review and Send
Each letter includes the Metro 2 field codes for the exact data point being disputed, FCRA section citations, and legal precedent from court cases. Not a form letter -- a legal document.
What Makes Our Letters Different
Metro 2 Field Codes
Every letter identifies the exact data field being disputed using Metro 2 format codes (BS-7, K1, etc.) -- the data standard bureaus and furnishers use. Generic letters skip this. Ours do not.
FCRA Legal Citations
Letters cite the FCRA sections that apply: §609 (method of verification), §611 (reinvestigation), §623 (furnisher responsibilities). A bureau generally has 30 days to investigate. Results vary.
Case Law References
Key precedent cases are embedded: Richardson v. Fleet Bank, Henson v. CSC Credit Services, Bryant v. TRW, Johnson v. MBNA. These show the bureau this letter was written by someone who knows the law.
Round Escalation
If Round 1 comes back "verified," a Round 2 draft can ask how the furnisher verified the item under §611(a)(7). You review that draft before anything is sent. No removal, score change, or timeframe is promised.
Bureau-Specific Formatting
Equifax, TransUnion, and Experian each have different mailing addresses, dispute codes, and response expectations. Our letters are formatted and addressed correctly for each bureau.
Physical Mailing via Lob
For maximum legal standing, dispute letters can be mailed certified via our Lob API integration. Certified mail creates a paper trail that digital submissions do not.
Generate Your First Dispute Letter
Your dispute letters are generated automatically on day 1. No filling out forms. No templates to edit.
Start Disputing Today