DisputeChat is educational credit dispute intelligence software. It helps you understand your credit reports from all three bureaus (Equifax, Experian, and TransUnion), identify items that may contain inaccuracies, and generate FCRA-aware dispute letter drafts you review and send yourself. DisputeChat is not a CRO and does not send disputes on your behalf.

Is DisputeChat a credit repair company?

No. DisputeChat is educational software, not a credit repair organization (CRO). We do not charge advance fees for dispute services, we do not send letters on your behalf, and we do not guarantee any outcomes. You maintain full control — DisputeChat provides tools, education, and letter drafts that you review, approve, and mail yourself.

Is it legal to dispute items on my credit report?

Yes. The Fair Credit Reporting Act (FCRA), codified at 15 U.S.C. §1681, gives every consumer the legal right to dispute any information on their credit report that they believe is inaccurate, incomplete, or unverifiable. Credit bureaus are required by law to investigate disputes within 30 days (or 45 days with additional information). DisputeChat helps you exercise these existing legal rights.

How does DisputeChat analyze my credit report?

When you upload your credit report PDF, DisputeChat reads the accounts, payment history, public records, and inquiries across all three bureaus. It categorizes each item, flags potential inaccuracies, and provides simulated score projections for planning purposes. All analysis results are estimates and should be verified against your original reports.

What does DisputeChat cost?

DisputeChat is $29.95/month: three-bureau credit monitoring, the full AI dispute engine with a review-and-approve letter workflow, simulated score projections, and FCRA timeline tracking. Mailing is priced per letter - download your letters free, or send them first-class or certified. Cancel anytime.

Which credit bureaus does DisputeChat support?

DisputeChat supports all three major credit bureaus: Equifax, Experian, and TransUnion. You can upload reports from any or all three bureaus and analyze them side by side.

What makes DisputeChat different from traditional credit repair services?

Traditional credit repair services act on your behalf and charge ongoing monthly fees — often with little transparency. DisputeChat is educational software that puts you in control. You learn your FCRA rights, understand your reports across all three bureaus, review every dispute letter before it's sent, and track FCRA-mandated timelines yourself. We never guarantee results — outcomes depend on individual circumstances.

Is my credit report data secure with DisputeChat?

Yes. All data is encrypted in transit (TLS 1.3) and at rest (AES-256). DisputeChat never shares your credit report data with third parties or advertisers. You can delete your data at any time from the settings panel. We follow SOC 2-aligned security practices to protect your sensitive financial information.

How long does a credit dispute take?

Under the FCRA, credit bureaus must investigate your dispute within 30 days of receipt (or 45 days if you submit additional information). DisputeChat tracks these deadlines automatically. Results vary — some items are resolved in a single round while others may require follow-up rounds or escalation to the original creditor.

Can I dispute items on my credit report myself without a credit repair company?

Absolutely. The FCRA gives every consumer the right to dispute inaccurate or unverifiable information directly with credit bureaus at no cost. You do not need a credit repair company to do this. DisputeChat gives you the tools, education, and letter templates to do it yourself — effectively and legally.

Terms of Service

DisputeChat is educational software. For businesses it is a white-label credit-repair CRM; for the people they serve it helps understand credit reports and exercise rights under the Fair Credit Reporting Act (FCRA). By creating an account or using DisputeChat, you agree to these terms.

What DisputeChat is — and is not

DisputeChat is not a credit repair organization (CRO), law firm, or financial advisor. We do not guarantee any outcome, charge advance fees for dispute services, or promise removals, approvals, or score increases. Score projections are simulated estimates for planning purposes only.

Accounts and acceptable use

You are responsible for activity under your account and for using DisputeChat lawfully. Business users must not promise removals, approvals, score increases, or outcomes to their clients. In client-led mode, clients review and approve their own dispute actions; in business-led mode, clients authorize the business to act on their behalf.

Billing

Business plans are billed monthly per client after a free trial, with no long-term contract — cancel anytime. Letter mailing is priced per letter.

Disclaimers and limitation of liability

DisputeChat is provided "as is" for educational purposes. To the fullest extent permitted by law, DisputeChat is not liable for indirect or consequential damages arising from use of the software. Questions: info@disputechat.com.