Terms of Service

Nature of Service

CreditDisputeLetter is a document preparation service. We provide tools that generate credit report dispute letters based on information you provide, the Fair Credit Reporting Act (15 USC §1681 et seq.), and publicly available state consumer credit reporting statutes.

Not Legal Advice

CreditDisputeLetter is not a law firm and does not provide legal advice. No attorney-client relationship is created by using this service. The documents generated are based on publicly available federal and state law and are provided as a starting point for exercising your credit report dispute rights. They are not a substitute for advice from a qualified attorney.

Not a Credit Repair Organization

CreditDisputeLetter is not a credit repair organization as defined under the Credit Repair Organizations Act (15 USC §1679). We do not promise or guarantee to improve your credit score, remove accurate information from your credit report, or alter your credit history. This service generates dispute letters based on your input and publicly available law. You are responsible for using the documents appropriately and in accordance with applicable law.

Your Responsibility

You are solely responsible for:

• The accuracy of the information you enter into the form
• Verifying that the generated document is appropriate for your specific situation
• Reviewing the document before sending it to the credit bureau
• Sending the letter via certified mail with return receipt requested
• Consulting a qualified attorney if you have questions about your legal rights
• Complying with all applicable laws regarding credit report disputes in your jurisdiction
• Ensuring that the information you are disputing is in fact inaccurate

Accuracy of Legal Information

We make reasonable efforts to ensure that the FCRA citations, state statutory references, and related legal provisions referenced in our documents are accurate and current. However, laws change, and we do not guarantee that every detail is up to date at all times. You should independently verify any legal citation before relying on it.

Payment and Refunds

The purchase price for a clean, print-ready PDF document is displayed before purchase. Payment is processed by Stripe, Inc. Because the product is a digital document delivered immediately upon payment, all sales are final and non-refundable. A free watermarked preview is available before purchase so you can verify the document meets your needs.

Limitation of Liability

To the maximum extent permitted by law, CreditDisputeLetter shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of this service or any document generated by this service. This includes, without limitation, any damages arising from a credit bureau's response or non-response to your dispute letter, any changes to your credit score, or any actions taken by furnishers of information. Our total liability for any claim arising from your use of this service shall not exceed the amount you paid for the specific document in question.

No Guarantees of Outcome

Generating and sending a credit report dispute letter does not guarantee any particular outcome. The credit bureau may or may not correct the disputed information. CreditDisputeLetter makes no representation about the likelihood of any outcome resulting from the use of our documents.

Changes to These Terms

We may update these terms from time to time. The "Last updated" date at the top of this page indicates when these terms were last revised. Your continued use of the service after changes are posted constitutes acceptance of the revised terms.