Dispute your credit
reports yourself

SmartDispute.ai is do-it-yourself dispute software. It imports your Equifax, Experian, and TransUnion reports, compares them, and drafts suggested disputes for the items that look inaccurate. You review and change the letters, then mail them yourself or ask us to mail them for free. SmartDispute.ai is not a credit repair organization. See how SmartDispute.ai works.

$49 a month, billed by SmartMonitor.ai. That covers your three-bureau reports and scores, credit monitoring, and unlimited disputes in SmartDispute.ai. SmartDispute.ai doesn’t charge separately. Here’s how your membership and billing work.

No. Creating a SmartDispute.ai account is free, but you need an active SmartMonitor.ai membership to import your reports and create disputes.

No. We don’t offer a live demo or a free trial. To see how it works before you sign up, read how SmartDispute.ai works and the other guides in our Help Center. Still have questions? Chat with us or email [email protected].

No. We replaced our videos with written guides, which we keep up to date as the app changes. Start with how SmartDispute.ai works, then how to read your Smart Report.

SmartMonitor.ai verifies your identity with the credit bureaus and delivers your three reports in a consistent format the Smart Dispute System can compare. It also handles billing and provides credit monitoring.

No. SmartDispute.ai imports your reports from SmartMonitor.ai and can’t analyze reports you upload or download elsewhere.

Sign up at SmartDispute.ai, then create your SmartMonitor.ai membership and verify your identity. In SmartDispute.ai, go to My Account, then Account Settings, enter your SmartMonitor.ai username and password, and click Save. Here are the steps in detail.

No. Each person needs their own account and membership, because each person’s credit file and disputes are separate.

No. SmartDispute.ai works with U.S. credit reports from Equifax, Experian, and TransUnion.

VantageScore 3.0 scores from all three bureaus. SmartDispute.ai doesn’t show FICO Scores. Here’s how VantageScore and FICO differ.

No. SmartDispute.ai is software. It suggests disputes, and you decide what to send and mail it yourself or ask us to mail it. You’re responsible for your letters and free to change them.

Cancel at SmartMonitor.ai, which handles billing. Log in to SmartMonitor.ai, go to your account information in the upper-right corner, open My Account, scroll to Billing History, and click Cancel Membership. You can also call SmartMonitor.ai at 888-354-7731.

No. SmartMonitor.ai doesn’t offer refunds or prorated refunds when you cancel.

You keep full access until your Membership Active Until date. After that, your SmartDispute.ai account becomes view-only, so you can still see your past reports and disputes.

Log in to SmartMonitor.ai, open the menu in the upper-right corner, select My Account, scroll to Your Payment Information, and click Add new primary payment option.

Yes. SmartMonitor.ai emails you a reminder 7 days before your next billing date.

Billing lives at SmartMonitor.ai. Log in there to see your billing history, change your card, or cancel.

Anything on your reports that’s inaccurate, incomplete, or can’t be verified: late payments, collections, charge-offs, inquiries, and public records such as bankruptcies. Accurate information can stay on your report for its full reporting period.

The Smart Dispute System compares your three reports field by field, looks for errors, omissions, and differences between the bureaus, ranks the opportunities it finds, and suggests a dispute for each one. You choose which accounts to dispute.

Yes. You can replace the suggested dispute reason with your own wording before you finish. Review every letter before you send it.

To the credit bureaus. For inquiries, round one goes to the company that requested your report, and round two goes to the bureau 35 days later. Direct disputes to the reporting company for other categories are coming soon.

There’s no limit on disputes. SmartDispute.ai allows one dispute per account per round.

Your next round on an account is due 35 days after you mail the letter, so the bureau has time to investigate and respond. Until then, SmartDispute.ai shows the account as “disputed X days ago” and won’t create another dispute for it.

No. Disputing doesn’t lower your score. Here’s what happens to your score during a dispute.

No. No company or software can legally remove accurate information. Disputes are for information that’s wrong, incomplete, or can’t be verified.

Report it at IdentityTheft.gov, then send the bureaus your identity theft report, proof of identity, and the accounts that aren’t yours. Report only accounts you didn’t open. Here’s why falsely reporting accounts as identity theft is a crime.

No. Neither is a deletion loophole. Here’s what 609 letters can and can’t do and the truth about Metro 2 compliance disputes.

No. You can print and mail them yourself, or email [email protected] after you create them and we’ll mail them for free. Here’s how mailing works.

Two forms of ID: a photo ID, such as a driver’s license or passport, and a document showing your current address, such as a utility bill or bank statement. The bureaus require ID with every dispute.

Letters to a credit bureau need a copy of your ID and a copy of a document showing your current address. Letters to the company that reported an item don’t need ID. Here’s what ID each bureau accepts.

No. Certified mail is optional. Here’s when it’s worth it.

SmartDispute.ai disputes go by mail, so you can explain each error in your own words and keep a paper trail. None of the three bureaus accepts disputes by email.

In SmartDispute.ai, go to Smart Track and download each letter from the New tab.

Letters move to Active automatically three days after you create them, and then they can’t be marked as sent. That doesn’t affect your disputes. If you’d like the actual mailing date recorded, tell us and we’ll update it.

Bureaus generally have 30 days to investigate a dispute, or up to 45 if you send more information. Most people need more than one round. SmartDispute.ai can’t guarantee results, because the bureaus and reporting companies decide the outcome.

Your next round is due 35 days after you mailed the last one, and SmartDispute.ai suggests a different dispute for it. Here’s how bureaus investigate disputes.

Here are the most common reasons, from timing to items the scoring model already ignored.

Here are 12 common reasons and what to check.

The bureau has to notify you in writing within five business days of putting it back. Here’s what to do.

There’s no fixed number. It depends on your score before it appeared, what else is on your report, how recent it is, and the scoring model. FICO’s examples show a 30-day late payment costing a consumer starting at 793 roughly 63 to 83 points, but one starting at 607 only about 17 to 37 (myFICO). A hard inquiry usually costs less than five points (myFICO).

By chat, by email at [email protected], by phone at (910) 597-2636 Monday through Friday from 9 a.m. to 5 p.m. Eastern Time, or on Facebook Messenger.

Open the login page in a different browser or a private (incognito) window, and enter the email address and password you signed up with. If that doesn’t work, contact support.

Make sure your SmartMonitor.ai membership is active and paid. Then, in SmartDispute.ai, go to My Account, then Account Settings, re-enter your SmartMonitor.ai username and password, and click Save. If you changed your SmartMonitor.ai password, this is usually the fix.

Your identity is verified with the credit bureaus through SmartMonitor.ai, your reports move from SmartMonitor.ai to SmartDispute.ai over a secure connection, and your email address and phone number never appear on your dispute letters. Read our privacy policy.

Yes. The site works on most phones, tablets, and computers. You’ll need a printer to mail letters yourself, or you can request free mailing.