An error on your credit report is costing you. Paste the entry — we draft the dispute to the bureau (§611, which must reinvestigate within 30 days) and, when accuracy is the issue, a §623 direct dispute to the furnisher that reported it. Dual-track is what fixes the items the bureau keeps "verifying."
Free preview included. The full, ready-to-mail letter unlocks for a one-time $29.00.
This is a clerical document-DRAFTING tool, not legal advice and not a credit-repair service. DisputeForge is not a law firm and does not represent you or guarantee any outcome (no deletion, no score change). You review, sign, and mail the letter yourself. Verify every date against your own dated notice before sending. We charge one flat fee for the drafted document — we never charge a recurring fee for a promise to improve your credit.
The two letters — and why you often need both
§611 to the bureau (Equifax / Experian / TransUnion): they must conduct a reasonable reinvestigation and delete or correct anything inaccurate or unverifiable within 30 days, 45 if you add documents (15 U.S.C. 1681i).
§623(b) to the furnisher (the lender/collector that reported it): under 12 C.F.R. 1022.43 they must investigate their own data and report the correction to every bureau. This closes the loop the bureau alone often misses.
If a bare "verified" comes back, the next move is a Method-of-Verification request (15 U.S.C. 1681i(a)(7)) — we draft that too.
The clock: the bureau's 30 days start when it receives your dispute. Send certified mail and keep the receipt to prove the start date.
This is a clerical document-DRAFTING tool, not legal advice and not a credit-repair service. DisputeForge is not a law firm and does not represent you or guarantee any outcome (no deletion, no score change). You review, sign, and mail the letter yourself. Verify every date against your own dated notice before sending. We charge one flat fee for the drafted document — we never charge a recurring fee for a promise to improve your credit.