A dispute is only as good as its paper trail.
Items go into a round because something in your report supports the claim. The letter states what you asserted and cites the statute it rests on. It is mailed certified so the delivery date is a fact rather than an assumption, and the response window is measured from that date.
Each claim type has an evidence requirement.
Not a guideline. An item cannot enter a round until the requirement for its claim type is satisfied, which is what keeps a file of specific, grounded disputes from turning into a blanket sweep that gets dismissed as frivolous.
- Not mineAn identity theft report filed with the FTCAsserting an account is not yours without one is the pattern that draws enforcement, so the evidence gate is enforced in the product, not left to judgment.
- Inaccurate balance or statusThe conflicting values, from the report itselfTwo bureaus reporting different balances for the same account is a fact on the file, not an opinion about it.
- ObsoleteThe date of first delinquencyMost negative information may be reported for seven years. If the date on the file puts it past that, the item is disputable on its face.
- Unauthorized inquiryYour statement that you did not applyAn inquiry without a permissible purpose is a violation of FCRA §1681b, and inquiries are often the most clearly wrong entries on a file.
One flat monthly fee. You run your own disputes.
The subscription covers the platform and its tools — drafting, certified delivery, the statutory clock, and the record. Certified mail beyond your monthly allowance is charged per piece when the piece is sent, at approximately our cost of postage. You get three business days to cancel after signing, and nothing is mailed in the meantime. If we are not registered in your state yet, we will tell you at signup instead of taking your money.
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