Chat or speak with guided intelligence.
Analyzes credit·Identifies dispute paths·Guides next steps
Start Free Product TourEmail signup → app tour→Dara is your personal credit dispute guide — she reads your credit report, helps spot possible errors, and walks you through your next steps. Talk to her by voice or chat.
Connect your report in seconds — Dara reads it, helps flag possible errors, drafts letters, and tracks bureau responses with you.
Pick your goal and your score range. Dara tells you exactly what's standing between you and where you want to be.
No forms. No credit law knowledge. Say it out loud — or type it. The AI finds what's disputable across all three bureaus and builds your dispute strategy in seconds.
Connect complimentary credit monitoring for an always-fresh 3-bureau picture — or upload a PDF you already have. Either way, Dara reads all three bureaus and builds your dispute plan in seconds.
Create your free account, open Dara's guided workspace, and see the product flow before picking a plan.
Dara opens with a calm guided tour, organizes the report workflow, and lets the visitor understand the experience before choosing Lite, Plus, or Max inside the app.
Everything you'd want to know before you start — for individuals and credit professionals.
DisputeChat is an AI-powered credit dispute assistant. You upload your credit report, Dara (our AI) analyzes every item, flags what can be disputed under the FCRA, and drafts ready-to-send dispute letters. You review and approve every letter before anything goes out — you're always in control.
No. DisputeChat is an educational platform that helps you exercise your own legal rights under the Fair Credit Reporting Act. You're the one disputing — we give you the AI tools and letter workflow to do it correctly. We are not a credit repair organization under the CROA.
Dara is DisputeChat's AI advisor. You can chat with her or talk to her by voice. She reads your credit report, identifies items that may be inaccurate, outdated, or unverifiable, and drafts FCRA-compliant dispute letters tailored to your situation. You approve every letter before it's sent.
All three — Equifax, Experian, and TransUnion. Dara analyzes your report from each bureau separately and generates bureau-specific dispute letters where needed. One subscription covers all three.
Yes — if an item is inaccurate, incomplete, or unverifiable you have the right to dispute it regardless of type. DisputeChat helps you identify which grounds apply to each item on your report and drafts the letter accordingly.
No — and be skeptical of anyone who does. Whether a disputed item is removed depends on what the bureau's investigation finds and what the creditor can verify. DisputeChat gives you the tools to dispute correctly and persistently — results vary by situation.
Bureaus have 30 days to investigate under the FCRA (45 days with additional documentation). Most users receive responses within 30–45 days of the bureau receiving the letter. DisputeChat tracks your deadlines and tells you exactly when to follow up.
It depends on your plan. Lite gives you PDF letters to print and mail yourself. Plus includes US First-Class mailing through the app. Max upgrades to Certified Mail with Return Receipt — the gold standard for FCRA proof of delivery — so you never have to visit a post office.
Just your credit report. Upload a PDF from Equifax, Experian, or TransUnion — or connect real-time monitoring. AnnualCreditReport.com provides free official reports from all three bureaus.
No. Filing a dispute with a bureau is a consumer right under the FCRA and does not affect your credit score. Successfully removing inaccurate negative items typically improves your score over time.
DisputeChat guides you through escalation: follow-up letters with additional evidence, complaints to the CFPB or FTC, and your right to add a 100-word personal statement to your report. A denial isn't the end — it's the next round.
Yes. All data is encrypted in transit (TLS 1.3) and at rest. We never sell your personal information. Your credit report data is used solely to generate your dispute letters and nothing else.
Yes. No contracts, no cancellation fees. Cancel from your account settings and your access continues through the end of the billing period you've already paid for.
All three give you the full AI dispute engine and letter generation. The difference is mailing: Lite gives you PDFs to mail yourself. Plus includes US First-Class mailing through the app. Max upgrades to Certified Mail with Return Receipt and adds priority support with a 24-hour SLA.