Pro-Grade Dispute Letters in 2 Minutes.
Dispute Engine uses advanced AI to scan your credit report, identify every negative item, and generate the exact dispute letter that item requires — the legal, ethical way agencies charge $1,000+ for. You get it for $47/month.
✨ Start with a 3-Day Free Trial — take a free test drive before you commit.
Cancel anytime. No long-term contracts. Results vary.
Important: Dispute Engine is a self-guided platform. We provide tools, templates, and educational guidance to support your credit goals. We do not guarantee score increases, credit approvals, or the removal of any specific credit report item. Results vary by individual situation.
The problem
The letters are the secret to the sauce.
In credit repair, the dispute letter is everything. The wrong letter gets ignored — or worse, gets the item verified and locked in for years. The right letter, citing the right statute for the right item, is what gets things removed permanently. Most people never learn the difference. That's exactly what Dispute Engine solves.
Every negative item gets its own unique dispute strategy.
No two situations are the same — so no two letters should be either. Dispute Engine's AI reads each line of your report, identifies the exact violation or weakness, and writes a custom dispute citing the correct federal statute. No lying. No identity-theft claims. No aggression. Just clean, lawful pressure that gets results that stick.
Results vary. Each item's response depends on the creditor's records and bureau policies. Dispute Engine provides templates and guidance — we do not guarantee deletions, score increases, or specific outcomes.
Legal usage disclaimer: Federal statute citations are provided for educational reference only. Dispute Engine is not a law firm and does not provide legal advice. Always review generated letters before sending and consult a qualified attorney for your specific situation if needed.
How it works
30 Minutes Today. Save Thousands Tomorrow.
What used to take a credit repair agency months and cost you over $1,000 takes you half an hour — and stays in your control the whole way.
Upload Your Report
Pull in all three bureaus. Our AI organizes everything into one clean dashboard in seconds.
AI Builds Your Letters
Every negative item gets its own custom letter — matched to the exact federal statute that applies.
Send, Track, Repeat
Mail or upload your letters, then track each dispute through to resolution from your dashboard.
Get items deleted the right and legal way.
Aggressive scripts, fake identity-theft affidavits, and shotgun templates may move a score for a month — then everything snaps back. Dispute Engine was built for one outcome: clean, lawful deletions that hold permanently.
Non-guarantee statement: We do not promise, guarantee, or predict specific outcomes. Every creditor, bureau, and account history is different. Dispute Engine provides the tools and guidance — your results depend on your individual situation, creditor responses, and your consistency in following the action plan.
100% Legal
Every letter cites real federal statute — FCRA, FDCPA, Metro 2.
No Identity-Theft Tricks
We never recommend false claims. Lies get items re-verified.
Removed Stays Removed
Done the right way, deletions don't come back next cycle.
Item-Specific Strategy
A collection isn't a late payment isn't an inquiry. Each gets its own attack.
App features
The most comprehensive DIY system on the market.
AI Dispute Generator
Custom letters per item, generated in under 2 minutes.
Item-Level Detection
AI flags collections, lates, charge-offs, inquiries, and inaccuracies.
Statute-Backed Templates
FCRA, FDCPA, and Metro 2 references built in.
Monthly Action Plans
Know exactly what to send, when, to whom.
Dispute Tracking
Watch every letter move from sent → investigating → resolved.
Credit Education Library
Short, founder-grade lessons on how credit actually works.
Smart Reminders
30-day timers, escalation prompts, and follow-up letters queued for you.
Bank-Grade Security
Encrypted at rest and in transit. Your data is yours.
Simple pricing
Pay $47 Today. Save Thousands Tomorrow.
What credit repair agencies charge $1,000+ to deliver, you get for the price of two takeout dinners.
Dispute Engine AI
vs. $1,000+ agencies charge
Cancel anytime. No long-term contracts.
- Unlimited AI-generated dispute letters
- Item-specific strategy for every negative
- All three bureaus organized in one view
- Monthly action plans & follow-up letters
- Full FCRA / FDCPA education library
- Dispute tracking & smart reminders
- Cancel anytime — no contracts, no surprises
Results vary. Tools and guidance to support your credit goals.
Trust & compliance
Built for transparency, not promises.
Dispute Engine is a self-guided platform designed to help you understand and work on your credit. You stay in the driver's seat the whole way. Results vary based on individual circumstances. We do not guarantee score increases, approvals, or the removal of any specific credit report item.
FCRA / FDCPA disclaimer: All federal statute references (including FCRA §§ 611, 623, 604 and FDCPA §§ 809, 812) are provided for educational and self-help purposes only. Dispute Engine is not a law firm, does not provide legal advice, and is not a substitute for an attorney. Always review any generated correspondence before sending and consult qualified legal counsel for your specific situation.
FCRA-Aware Action
Cancel Anytime
Secure Account Access
DIY Credit Education
FAQ
Questions? We have answers.
Bad credit doesn't have to control your future. Take it back tonight.
AI-generated, statute-backed dispute letters. Item-specific strategies. A clear monthly action plan. All inside one app — for $47/month, cancel anytime.
Try it free for 3 days. Take a free test drive before you fully commit.
Cancel anytime. No long-term contracts.