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FCRA Section 611 · Not the "609 letter" myth

Free Credit Dispute Letter Generator

Generate a legally-sound dispute letter in under 2 minutes. Uses FCRA Section 611 (the actual dispute statute) — not the "609 letter" myth every other generator gets wrong. Your data never leaves this page.

Your Details

You'll send a separate letter to each. We generate one letter at a time.

Your letter appears here

Fill in the form and hit "Generate Letter"

📬 How to send it (the right way)

  1. Sign it by hand after printing. No digital signatures.
  2. Send via certified mail with return receipt requested. This creates a legal paper trail. Costs about $8 at USPS and is worth every penny.
  3. Include copies (never originals) of supporting documents: ID, utility bill showing address, payoff letters, bank statements.
  4. Wait 30 days. Bureaus must investigate and respond within 30 days by law (45 if you provide extra docs during investigation).
  5. Keep a copy of everything you send, plus the certified mail receipt.
  6. If ignored or denied: File a CFPB complaint at consumerfinance.gov/complaint. 99.6% response rate.
Important: This tool generates a template letter based on your inputs. It is not legal advice. For willful FCRA violations or complex cases (identity theft with large damages, repeated bureau misconduct), consult a consumer protection attorney. Many work on contingency under the FCRA's fee-shifting provision.

Related guides

FULL GUIDE
DIY Credit Disputes Guide
ALTERNATIVE
Goodwill Letters (for legitimate late payments)
COLLECTIONS
Debt Validation Letter Guide