Your rights

You have the right to dispute incomplete or inaccurate information in your credit file directly with consumer reporting agencies and with the companies that report information, at no cost. You do not need to use any paid service. Accurate, timely negative information generally cannot be removed. You can get free credit reports at AnnualCreditReport.com.

Terms of use (draft)

DisputeFlow is a do-it-yourself tool. You are responsible for the truth of every statement you make. Do not submit claims you know to be false, including false identity theft claims. DisputeFlow does not send mail for you, does not contact credit bureaus for you, and does not promise any result.

Privacy (draft)

Uploaded files are stored privately and are accessible only to you through short-lived links. Support staff can view your case only if you turn on support access in Account & Privacy. We ask you not to enter your full Social Security number. You can export or delete your data at any time. We do not sell personal data. Analytics and notifications must never include report contents.

Preview status

This is a preproduction preview. Use synthetic test data only. It is not approved for use with live credit reports until security and legal reviews are complete.

Consent version: 2026-10-preview-1