# DisputeChat

> Educational software that helps consumers understand their credit reports,
> identify potential FCRA-disputable inaccuracies, and generate dispute
> letters they review and send themselves. DisputeChat is **not** a credit
> repair organization (CRO) — users stay in control of every letter.

DisputeChat reads PDFs from all three bureaus (Equifax, Experian,
TransUnion), surfaces likely errors with plain-English explanations, drafts
FCRA-compliant dispute letters with the right statute citations, and tracks
the 30-day bureau response window automatically.

## Key facts

- **Site:** https://disputechat.com
- **What we are:** Educational dispute-intelligence software. Self-serve.
- **What we are NOT:** A credit repair organization. We do not file disputes
  on behalf of users. Every letter is reviewed and sent by the user.
- **FCRA citations used:** §605 (7-year reporting limit), §609 (consumer
  disclosure), §611 (procedure when disputed accuracy), §615 (notice of
  adverse action), §623 (furnisher responsibilities)
- **Pricing:** Digital $39.95/mo · Mail $59.95/mo · White-Glove $99.95/mo.
  Business tiers (Starter $99.95 / Growth $199.95 / Agency $299.95) for
  credit coaches and small CRO-adjacent practices.
- **Cancel anytime, no contracts.**

## Core pages

- [How It Works](https://disputechat.com/how-it-works): The 3-step flow —
  upload report, review flagged items, approve and send letters.
- [Pricing](https://disputechat.com/pricing): All consumer + biz tiers,
  what's included, FAQ.
- [FCRA Rights](https://disputechat.com/learn/fcra-rights): Plain-English
  guide to consumer rights under the Fair Credit Reporting Act.
- [Three-Bureau Reports](https://disputechat.com/learn/three-bureau-reports):
  How Equifax, Experian, and TransUnion differ; why cross-bureau conflicts
  matter.
- [FCRA Timelines](https://disputechat.com/learn/fcra-timelines): The exact
  legal windows — 30-day investigation, 5-day notice, etc.
- [Dispute Intelligence](https://disputechat.com/learn/dispute-intelligence):
  How AI parses credit reports and flags disputable items.
- [Myths and Facts](https://disputechat.com/learn/myths-and-facts): Common
  credit-repair misconceptions debunked with citations.
- [Free Scan](https://disputechat.com/free-scan): Upload a credit report
  PDF, get a teaser analysis showing likely disputable items. No card
  required.
- [Compare](https://disputechat.com/compare): Honest comparison vs. major
  credit repair services (Lexington Law, CreditRepair.com, Sky Blue Credit)
  and DIY.

## State + creditor pages

- `/learn/states/{state-slug}`: State-specific consumer protection laws on
  top of FCRA (e.g. California CCRAA, New York FCBA additions).
- `/learn/creditors/{creditor-slug}`: Per-creditor dispute strategy notes
  for major furnishers (Capital One, Discover, Chase, etc).

## Compliance / Trust

- [Compliance](https://disputechat.com/compliance): How DisputeChat operates
  outside CROA scope — educational software, not a credit repair service.
- [Security](https://disputechat.com/security): Data handling, encryption,
  retention policy.
- [Mission](https://disputechat.com/mission): Why an educational tool beats
  outsourcing your credit to a CRO.
- [For Attorneys](https://disputechat.com/for-attorneys): Why FCRA
  attorneys recommend DisputeChat to clients (educational, not competing).

## Optional reading

- [Blog](https://disputechat.com/blog): Long-form guides on FCRA tactics,
  bureau-specific quirks, dispute-cycle strategies.
- [Press](https://disputechat.com/press): Coverage and brand assets.
- [Community](https://disputechat.com/community): User stories and Q&A.

## Technology

DisputeChat parses credit reports with a multi-stage pipeline:
1. PDF text extraction across the three bureau formats
2. Account normalization (matching the same account across bureaus)
3. Cross-bureau conflict detection (different balance, different status,
   different open date) — these are §623 furnisher disputes with high
   success rates
4. FCRA rule engine: applies §605 (obsolete), §609 (incomplete), §611
   (inaccurate) to each item
5. Letter generation with the appropriate statute citations and bureau
   address

The user reviews every flagged item and approves every letter before
anything is sent.

## Plain-language disclaimers

DisputeChat does not guarantee any specific outcome. Bureau investigation
results depend on the verifiability of the disputed information by the
furnisher within the FCRA's statutory windows. We are software you use to
exercise rights you already have under federal law.