CreditClear writes FCRA dispute letters that cite the exact statutes credit bureaus are legally required to respond to. No generic templates. No guessing.
Free · No credit card · 1 minute to start
Three steps. Under 5 minutes.
Choose what's wrong on your report — wrong amount, not yours, identity theft, medical debt, and more.
Tell us the bureau, creditor name, account number, and a brief description of the inaccuracy.
We generate a formal dispute letter citing the exact FCRA statutes that apply. Copy, print, or mail it.
Every letter cites the specific FCRA sections that apply to your dispute — not boilerplate. Bureaus can't ignore letters that quote the law.
FCRA §611 gives bureaus exactly 30 days to respond. We track it and email you at day 15, 28, and 31 — with a CFPB complaint ready at day 31.
Most credit apps ignore medical debt. We generate two letters simultaneously — one to the provider, one to the collector — demanding HIPAA authorization proof.
Created by practitioners who have helped hundreds of clients remove inaccurate items. Every feature is battle-tested against real bureaus.
Your first FCRA letter is free. No credit card required.
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