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Something wrong on your credit report?
Let's dispute it.

Describe what you're seeing — an account that isn't yours, a paid debt still marked unpaid, a dispute that came back 'verified' — and get a clear, send-today plan to challenge it.

What we help you take on

Not sure if we can help? Just start the chat — it'll tell you straight.

Accounts that aren't yours

Flag accounts opened in your name and dispute them as identity theft or a mixed file.

Wrong late payments

Dispute late marks and balances that don't match what you actually owe.

Old debts re-aged

Challenge collections that reset their date to cling to your report longer than the law allows.

'Verified' but still wrong

Demand how they verified it and escalate when the bureaus rubber-stamp an error.

Dispute it in writing.

The Credit Dispute Self-Defense Kit

One kit for the whole dispute

The bureau dispute is one step. The kit covers every step, from requesting your full file to disputing with the bureau and the company that reported it, and following up when they verify it.

  1. Before you dispute

    See exactly what they report.

    • File Disclosure Request

      Ask each bureau for your full file, so you see every line they report.

  2. Dispute the error

    Write to the bureau and the source.

    • Credit Bureau Dispute Letter

      Dispute an inaccurate item in writing with the bureau that reports it.

    • Furnisher Direct Dispute Letter

      Dispute it directly with the lender or collector that reported it.

  3. If marked verified

    Ask how they checked.

    • Method-of-Verification Follow-Up Letter

      Marked verified but still wrong? Ask in writing how they checked it.

  4. At every step

    Send it right, keep the record.

    • How to Send It

      How to mail each letter so you have proof it arrived.

    • Know Your Rights (FCRA)

      What the Fair Credit Reporting Act asks of bureaus and the companies reporting.

    • Your Step-by-Step Checklist

      Track what you sent, when, and what came back.

The whole kit, plus the full library below: $50/mo, cancel anytime.

Included with the membership

Plus every document in the ConsumerShield library

100+documents

Worth over $5,400 if bought one at a time

A credit report is one part of a household's paperwork. The membership opens the whole library, for your money, your family, your work and your property.

What consumers use next

  • Debt Collector Cease & Desist

    A collector calling about an account on your report? Tell them in writing to stop.

  • Police Incident Report

    Accounts opened in your name? Write up your account to give to the police.

  • Demand for Payment Letter

    Someone owes you money? Ask for it in writing, with the amount spelled out.

  • Limited Power of Attorney

    Need someone to handle one account for you? Give them written authority.

  • Durable Power of Attorney

    Let someone you trust handle your finances if you can't.

  • Auto Promissory Note Bill of Sale

    Selling a car on installments? Put the payment terms in writing.

  • Business · 56
  • Consumer · 20
  • Employment · 17
  • Family · 10
  • Driving · 5
A lawyer, per hour
$349
The whole library
$50/mo

$0 today, card required · trial of 2 days · then $50/mo · cancel anytime

Average U.S. lawyer hourly rate, Clio Legal Trends Report 2025. Not a quote for your matter, and ConsumerShield is not a law firm.

You fill in the details for your own report and send each letter yourself. ConsumerShield is not a law firm and does not contact the bureaus or anyone else for you.

Stop letting an error drag your score down.

The bureaus count on you never disputing. Your kit gives you the exact letters and steps to pull your reports, challenge every error, and hold them to the deadline — today.

Start the chat