DisputeChat is educational credit dispute intelligence software. It helps you understand your credit reports from all three bureaus (Equifax, Experian, and TransUnion), identify items that may contain inaccuracies, and generate FCRA-compliant dispute letter drafts you review and send yourself. DisputeChat is not a CRO and does not send disputes on your behalf.

Is DisputeChat a credit repair company?

No. DisputeChat is educational software, not a credit repair organization (CRO). We do not charge advance fees for dispute services, we do not send letters on your behalf, and we do not guarantee any outcomes. You maintain full control — DisputeChat provides tools, education, and letter drafts that you review, approve, and mail yourself.

Is it legal to dispute items on my credit report?

Yes. The Fair Credit Reporting Act (FCRA), codified at 15 U.S.C. §1681, gives every consumer the legal right to dispute any information on their credit report that they believe is inaccurate, incomplete, or unverifiable. Credit bureaus are required by law to investigate disputes within 30 days (or 45 days with additional information). DisputeChat helps you exercise these existing legal rights.

How does DisputeChat analyze my credit report?

When you upload your credit report PDF, DisputeChat reads the accounts, payment history, public records, and inquiries across all three bureaus. It categorizes each item, flags potential inaccuracies, and provides simulated score projections for planning purposes. All analysis results are estimates and should be verified against your original reports.

What does DisputeChat cost?

DisputeChat offers three plans: Digital at $39.95/month (full platform access), Mail at $59.95/month (adds certified mail workflow and print-ready letters), and White-Glove at $99.95/month (adds concierge onboarding and priority support). A free trial is available via SmartCredit integration.

Which credit bureaus does DisputeChat support?

DisputeChat supports all three major credit bureaus: Equifax, Experian, and TransUnion. You can upload reports from any or all three bureaus and analyze them side by side.

What makes DisputeChat different from traditional credit repair services?

Traditional credit repair services act on your behalf and charge ongoing monthly fees — often with little transparency. DisputeChat is educational software that puts you in control. You learn your FCRA rights, understand your reports across all three bureaus, review every dispute letter before it's sent, and track FCRA-mandated timelines yourself. We never guarantee results — outcomes depend on individual circumstances.

Is my credit report data secure with DisputeChat?

Yes. All data is encrypted in transit (TLS 1.3) and at rest (AES-256). DisputeChat never shares your credit report data with third parties or advertisers. You can delete your data at any time from the settings panel. We follow SOC 2-aligned security practices to protect your sensitive financial information.

How long does a credit dispute take?

Under the FCRA, credit bureaus must investigate your dispute within 30 days of receipt (or 45 days if you submit additional information). DisputeChat tracks these deadlines automatically. Results vary — some items are resolved in a single round while others may require follow-up rounds or escalation to the original creditor.

Can I dispute items on my credit report myself without a credit repair company?

Absolutely. The FCRA gives every consumer the right to dispute inaccurate or unverifiable information directly with credit bureaus at no cost. You do not need a credit repair company to do this. DisputeChat gives you the tools, education, and letter templates to do it yourself — effectively and legally.

The Fair Credit Reporting Act (15 U.S.C. §1681) is a federal law giving consumers rights over their credit information including the right to dispute errors, access reports, and sue for violations.

How long do bureaus have to investigate my dispute?

Under FCRA §611(a)(1), credit bureaus must investigate and notify you within 30 days of receiving your dispute (45 days if you provide additional information during the investigation).

Can I dispute errors directly with the furnisher?

Yes. Under FCRA §623(a)(8), you can dispute directly with the furnisher (the company that reported the information). They must investigate within 30 days.

Your FCRA Rights: The Complete Consumer Guide

The Fair Credit Reporting Act (15 U.S.C. §1681) gives every American consumer powerful legal rights over their credit information.

Your right to dispute inaccurate information (§611)

Under FCRA §611, you have the absolute legal right to dispute any information on your credit report that you believe is inaccurate, incomplete, or unverifiable. The bureau must investigate within 30 days.

The 30-day investigation requirement (§611(a)(1))

The 30-day clock starts when the bureau receives your dispute. Use certified mail with return receipt to document the delivery date.

Your right to know how they verified an item (§611(a)(7))

If a bureau verifies an item, you have the right to request the Method of Verification (MOV) — a description of the procedure they used to determine accuracy.

Furnisher responsibilities after you dispute (§623)

Furnishers must investigate disputes, correct inaccurate information, and report results to the bureau within the 30-day window.

FCRA damages — when you can sue (§616, §617)

You can sue for willful violations (§616): actual damages, statutory damages $100–$1,000, punitive damages, and attorney's fees. Negligent violations (§617): actual damages and attorney's fees.

Source: Fair Credit Reporting Act, 15 U.S.C. §1681 et seq.