SELF-HELP DIY SOFTWARE
Credit dispute software you operate yourself.
Generate FCRA-aligned dispute letters, track every bureau response, and keep your credit data encrypted on your own device. No credit-repair service. No middleman. Plans from $24.99/month.
Advanced plan · Card required · cancel anytime before it ends · then $34.99/month.
20 or 81 FCRA Templates
Standard has 20. Advanced has 81, adding 605B identity theft, Metro 2 and bankruptcy letters.
Dispute Tracker
Every letter, response, and follow-up in one place.
Private by Design
AES-256-GCM encryption in your browser. Your credit-report data never leaves your browser.
A credit dispute app you run in your own browser
DisputeValet is a browser-based credit report dispute software and dispute app — your credit-report data is AES-256-GCM encrypted in your browser and never leaves it. Operate it yourself: import your report, flag inaccurate items, and generate FCRA-aligned dispute letters. No account manager and no service fees — just the software, from $24.99/month, cancel anytime.
The Fair Credit Reporting Act gives you the right to dispute information on your credit report that is inaccurate, incomplete or can't be verified, and to do it yourself at no charge. What makes it hard is the paperwork: the right letter for each situation, a separate copy for each bureau, and keeping track of who replied and when. DisputeValet handles that paperwork so you can focus on the items that matter.
Try the credit dispute app free for 7 daysAdvanced plan · Card required · cancel anytime before it ends · then $34.99/month.
How it works
From your credit report to a letter in the mail, then every response tracked in one place. Training mode lets you practise the whole process on sample data first.
Step 1
Enter your credit report
Add the accounts, inquiries and public records from your Equifax, Experian and TransUnion reports — you can get all three free at AnnualCreditReport.com. Choose which bureaus each report covers, and everything you type is encrypted in your browser before it is saved.
Step 2
Flag the items you believe are inaccurate
Tick the accounts, inquiries or records you want to dispute and give a reason: a balance that's wrong, a late payment you made on time, an account that isn't yours. Each flagged item stays tied to the bureau that reports it, so nothing goes to the wrong place.
Step 3
Generate a letter for each bureau
Pick a template and DisputeValet fills in your details, the bureau's mailing address and the disputed items, producing one letter per bureau. Adjust any wording in the built-in editor, then print and mail it — certified mail with a return receipt gives you a record of delivery.
Step 4
Track every response
Each dispute moves across a status board from draft to sent, pending and resolved. Under FCRA §611 a bureau generally has 30 days to investigate (up to 45 in some cases), and DisputeValet works out those deadlines so you know when a follow-up is due.
Screenshots show illustrative training-mode data.
What you can dispute
Templates cover the situations people most often find on their reports. Each card links to a free guide explaining the letter and when to use it.
Late payments
Payments reported late that were made on time, or reported with the wrong date.
Collection accounts
Ask a collector to validate a debt before you dispute it with the bureaus.
Charge-offs
Wrong balances, dates or statuses on accounts reported as charged off.
Hard inquiries
Inquiries from applications you didn't make or didn't authorize.
Medical collections
Medical debts reported in error or with the wrong amount.
Accounts that are not yours
Mixed files, where another person's accounts appear on your report.
Re-aged debts
Old debts reported with a newer date that keeps them on your report longer.
Verification follow-ups
Ask a bureau how it verified an item it kept after your dispute.
Identity theft (Advanced)
Request a block on fraudulent items under FCRA §605B.
Standard includes letters under FCRA §609, §611 and §623. Advanced adds §605B identity theft, Metro 2 and bankruptcy letters.
Your credit report stays on your device
Most dispute services ask you to upload your credit reports to their servers. DisputeValet works the other way round: the report details you enter are encrypted with AES-256-GCM and stored in your own browser, and that data is never sent to our servers. Your account and subscription are handled by our sign-in and billing providers; your credit report data is not.
Because the data lives in your browser, you choose where it goes. Save an encrypted backup file whenever you like, and restore it to move your work to another computer.
- AES-256-GCM encryption before anything is saved
- No credit report uploads, no shared database of reports
- Encrypted backup and restore under your control
Is DisputeValet right for you?
A good fit if you
- Want to handle your own disputes rather than pay someone else to
- Have found items on your reports you believe are wrong
- Are disputing with more than one bureau and need to keep track
- Prefer a flat monthly price you can cancel at any time
Probably not for you if you
- Want someone else to write and send your disputes for you
- Expect a promised result — results depend on the bureaus and furnishers, and no one can honestly promise one
- Want to dispute information that is accurate — the FCRA covers inaccurate, incomplete or unverifiable information
Two plans. Cancel anytime.
Annual billing saves 20%: $239.88/year for Standard, $335.88/year for Advanced.
Standard
$24.99/month
20 FCRA-aligned templates for the most common disputes.
- 20 dispute letter templates (FCRA §609, §611, §623)
- Dispute tracker and status board
- Training mode and video tutorials
- AES-256 encrypted storage in your browser
No trial · cancel anytime.
Advanced
$34.99/month
All 81 templates, including identity theft and bankruptcy letters.
- Everything in Standard
- 81 dispute letter templates (20 + 61 advanced)
- FCRA §605B identity theft, Metro 2 and bankruptcy letters
- Letter pack creation
Card required · cancel anytime before it ends · then $34.99/month.
Comparing tools? See how DisputeValet compares with DisputeBee.
Software, not a service. Here is the difference.
- You file the disputes. DisputeValet drafts the letters and tracks responses; you sign and send them.
- No outcome promises. Results depend on your specific credit situation and what bureaus and furnishers do.
- No advance fees for credit improvement. You pay a flat monthly software subscription. Cancel anytime.
- Software platform of Gamboa Software LLC. Not a credit-repair organization.
Getting Started with DisputeValet.com
Quick answers to help you begin your self-help dispute workflow
How do I get started with DisputeValet.com?
Simply subscribe to DisputeValet.com and access it instantly in your browser. No download or installation needed. Enter your credit report information, choose a template for your situation, customize it with our editor, and generate your dispute letter. The whole process takes under 10 minutes.
Do I need my credit reports to start?
Yes, you'll need your credit reports from Equifax, Experian, and TransUnion. You can get them free at annualcreditreport.com. DisputeValet.com helps you identify errors and create targeted dispute letters for each bureau.
How do I send the dispute letters?
After generating your letters in DisputeValet.com, print and mail them via certified mail with return receipt requested. This creates a paper trail and ensures the bureaus receive your disputes. We provide the correct addresses and formatting for each bureau.
What if the credit bureaus reject my disputes?
Our template library includes escalation letters for when initial disputes are rejected. Try different dispute reasons, use validation requests, or escalate to the CFPB. Our templates (20 Standard, 81 Advanced) cover many scenarios, including bureau pushback.
Can I dispute multiple items at once?
Yes, but we recommend being strategic. Start with 3-5 items per bureau for best results. Our dispute tracking dashboard helps you manage multiple disputes and plan your approach. Your subscription allows unlimited dispute letter generation.
Ready to file your own disputes?
Try every Advanced feature free for 7 days.
Start 7-day free trialCard required · cancel anytime before it ends · then $34.99/month.
Important Disclosure: DisputeValet.com provides educational materials and templates designed to help consumers understand their rights under the Fair Credit Reporting Act (FCRA).
• Templates are not legal advice and should not be considered a substitute for professional legal counsel
• Individual results will vary based on specific circumstances and credit situations
• Success stories and testimonials represent individual experiences and are not guarantees of similar outcomes
• DisputeValet.com is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act
• Users are solely responsible for their disputes and any outcomes resulting from using our templates