DisputeIQ uses AI to analyze your credit reports and generate legally-grounded dispute letters under FCRA & FDCPA — starting at a one-time fee of $37. Upgrade to Unlimited for just $97.
We dispute all negative items including
A complete AI-powered toolkit that puts the power of a credit repair attorney in your hands.
Instantly generate legally-grounded dispute letters citing FCRA & FDCPA for collections, charge-offs, late payments, inquiries, and more.
Upload reports from Equifax, Experian, and TransUnion. Our AI identifies every negative item and categorizes it for dispute.
Track every letter's status from drafted to sent to resolved. Know exactly where each dispute stands at all times.
Log and visualize your credit score progress over time with personalized improvement tips based on your score tier.
Every letter cites the Fair Credit Reporting Act and Fair Debt Collection Practices Act to maximize your legal leverage.
Your credit data is encrypted and stored securely. We never sell or share your personal information.
From sign-up to resolved disputes in 5 simple steps.
Create your account and unlock the full platform for a one-time fee. No subscriptions, no hidden fees.
Upload credit reports from Equifax, Experian, and/or TransUnion. Supports PDF and image formats.
Our AI scans your reports and identifies every negative item that can be disputed under federal law.
With one click, generate professional, legally-grounded dispute letters for each negative item.
Mark letters as sent, track responses, and watch your credit score improve as disputes are resolved.
Real users. Real score improvements. No credit repair agency required.
“I had 4 collections dragging my score down for years. DisputeIQ generated letters in minutes and two of them were removed within 30 days. My score jumped 162 points — I finally qualified for a car loan.”
Marcus T.
Atlanta, GA
“Three charge-offs from 2021 were killing my mortgage application. The AI letters were professional and cited the exact FCRA sections. All three were removed. I closed on my house last month!”
Denise R.
Houston, TX
“I disputed 6 hard inquiries and 2 late payments. Within 45 days, 5 inquiries were removed and both late payments were corrected. The tracking dashboard made it easy to stay on top of everything.”
James K.
Chicago, IL
“I had a medical debt that didn't even belong to me on my Equifax report. DisputeIQ generated a debt validation letter that got it removed in 3 weeks. The bureau mailing addresses panel saved me so much time.”
Latoya M.
Memphis, TN
“I was skeptical at first — $37 seemed too good to be true. But the AI actually knows the law. It cited FCRA § 611 in every letter. Two public records removed, score up 117 points. Worth every penny.”
Robert C.
Phoenix, AZ
“I used the Unlimited plan and disputed items across all three bureaus. The 30-day countdown tracker kept me organized. Six months later my score is 720 and I just got approved for a credit card with 0% APR.”
Sandra W.
Detroit, MI
Join thousands who have already taken control of their credit.
No subscriptions. No surprises. Pay once, repair your credit.
Best for getting started — dispute your most critical negative items.
Secure payment via Stripe.
Full power — no limits, no restrictions, no compromises.
Secure payment via Stripe. 256-bit SSL.
Both plans are one-time payments — no monthly fees, no auto-renewals. Valid until a new credit report is generated.
Negative items on your credit report can cost you thousands in higher interest rates. Start disputing today.
Reach out directly — we respond to all inquiries within one business day.
Business hours: Monday – Friday, 9 AM – 6 PM EST