Frequently Asked Questions

The Fair Credit Reporting Act (FCRA) is a federal law that regulates how consumer credit information is collected, used, and shared. It gives you specific rights to challenge inaccurate information on your credit reports.

Under the FCRA, you have the right to:

• Receive a free copy of your credit report annually from each credit bureau
• Dispute inaccurate or incomplete information
• Have investigations completed within 30-45 days
• Add explanatory statements to your credit file
• Sue for damages if the law is violated

Under the FCRA, credit bureaus must complete their investigation within 30 days of receiving your dispute. In some cases, this can be extended to 45 days if you provide additional information during the investigation period.

If the investigation takes longer than the legal timeframe, the disputed item should be removed from your credit report automatically.

You can dispute any information on your credit report that is:

• Inaccurate or incorrect
• Incomplete or outdated
• Unverifiable by the data furnisher
• Fraudulent or identity theft related
• Duplicate entries
• Accounts that don't belong to you
• Incorrect payment statuses or amounts
• Outdated personal information

Our AI-powered system streamlines the entire dispute process:

1. Upload Your Credit Report: Securely upload your credit report from any of the three major bureaus
2. AI Analysis: Our advanced AI scans and identifies potentially disputable items
3. Letter Generation: Custom dispute letters are created based on FCRA regulations
4. Automated Mailing: We send professional letters directly to credit bureaus via certified mail
5. Tracking & Updates: Monitor your dispute status and receive updates throughout the process

Absolutely. We use bank-level security measures to protect your sensitive information:

• 256-bit SSL encryption for all data transmission
• Encrypted storage with advanced security protocols
• No long-term storage of credit report data
• SOC 2 compliance and regular security audits
• Limited access on a need-to-know basis

Your credit report is processed and then securely deleted from our systems after the dispute letters are generated.

Yes, we send dispute letters to all three major credit bureaus (Experian, Equifax, and TransUnion) for any items that appear on their respective reports. Each bureau maintains independent records, so disputing with all three maximizes your chances of success.

Our AI analyzes which items appear on which bureaus' reports and generates customized letters for each bureau accordingly.

Our one-time service fee is $29.99, which includes:

• Complete AI analysis of your credit report
• Professional dispute letter generation
• Certified mail delivery to all three credit bureaus
• Tracking and status updates
• No monthly fees or hidden charges

This is a one-time payment with no recurring charges or subscription fees.

We accept all major credit cards and debit cards, including:

• Visa
• Mastercard
• American Express
• Discover

All payments are processed securely through our encrypted payment gateway.

We accept credit reports in the following formats:

• PDF files (.pdf)
• Image files (.jpg, .jpeg, .png)
• Document files (.doc, .docx)

Maximum file size is 50MB. For best results, ensure your credit report is clear and legible.

If you're experiencing upload issues, try these troubleshooting steps:

1. Check that your file is under 50MB
2. Ensure you're using a supported file format
3. Try refreshing the page and uploading again
4. Clear your browser cache and cookies
5. Try using a different browser

If problems persist, contact our support team at support@sendmydisputes.com for assistance.

The timeline for credit dispute resolution includes:

• Letter Generation: 1-2 business days after payment
• Mail Delivery: 3-5 business days via certified mail
• Bureau Investigation: 30-45 days as required by FCRA
• Total Timeline: Approximately 6-8 weeks from start to finish

You'll receive tracking information and updates throughout the process.

If a credit bureau determines that the disputed information is accurate, the item will remain on your credit report. However, you have additional options:

• Request a detailed explanation of their investigation
• Contact the original creditor directly
• File a follow-up dispute with additional evidence
• Add a consumer statement to your credit file
• Consult with a credit attorney if needed

We provide guidance on next steps regardless of the outcome.

We cannot guarantee specific results or score improvements, as the outcome depends on the accuracy of the information being disputed and the credit bureaus' investigations. However, our AI-powered system maximizes your chances of success by:

• Identifying the most disputable items on your report
• Using proven FCRA-compliant dispute strategies
• Ensuring proper documentation and delivery
• Following up on the investigation process

Many clients see improvements in their credit reports, but individual results may vary.