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TransUnion

620

+5 Points

Equifax

615

+2 Points

Experian

630

+8 Points

Negative Items Found

We've identified items on your credit report that may be inaccurate or unverifiable. Review each one to start the dispute process.

Collection: XYZ Agency
Reported: Oct 2022 | Amount: $350
Late Payment: Capital One
Reported: Jan 2023 | 30 Days Late
Hard Inquiry: Some Lender Inc.
Reported: Mar 2024 | Not authorized

Reports

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My Disputes

A list of in-progress and completed disputes will be shown here.

Settings

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Step 1: Review Item

Please confirm the details of the item you wish to dispute.

Step 2: Reason for Dispute

Select the primary reason for disputing this item. This helps our AI craft the strongest possible letter.

This is not my account (fraud, identity mix-up) The amount is incorrect I already paid this debt The account is too old to be reported Other (please specify)

Step 3: Your Dispute Letter is Ready

Our AI has generated a professional dispute letter based on your input. Review the text below. You can download it as a PDF to print and mail.

For best results, mail your letter via USPS Certified Mail®.

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