Credit & disputes

Send a credit dispute letter online

Under the Fair Credit Reporting Act (FCRA), you have the right to dispute errors on your credit report in writing. Type your dispute letter, attach supporting documents, and we mail it to Equifax, Experian, or TransUnion through USPS within 24 hours.

Mail a credit disputeSee pricing
From $5 per letterMailed via USPSShipped within 24 hoursNo printer needed

How it works

Four steps. Most letters take under two minutes from sign-in to mailed.

  1. 1

    Write your dispute letter

    State your full name, date of birth, address history, the disputed item, and what you believe is incorrect under the FCRA.

  2. 2

    Attach supporting documents

    Attach copies of bills, statements, ID, or any document that supports your dispute. Up to five attachments.

  3. 3

    Enter the bureau's address

    Use the published consumer disputes address for Equifax, Experian, or TransUnion.

  4. 4

    We mail within 24 hours

    Mailed via USPS. Under the FCRA, the bureau must investigate written disputes within 30 days.

Who this is for

  • Anyone disputing an error on a US credit report
  • Identity theft victims correcting fraudulent accounts
  • Consumers disputing inaccurate late payments
  • People rebuilding credit after bankruptcy or default

Common use cases

Disputing inaccurate accounts

An account on your report that is not yours, was paid, or shows incorrect dates.

Identity theft

Disputing fraudulent accounts opened in your name. Include an FTC identity theft report or police report.

Inaccurate late payments

Disputing 30/60/90-day late marks that were paid on time or are otherwise incorrect.

Items beyond the FCRA reporting period

Disputing negative items beyond the 7-year (or 10-year for bankruptcy) FCRA reporting limit.

What you can rely on

PostPal is operated as a utility, not a marketing channel. We do one thing: print and mail your documents through USPS.

Domestic
$5
2-5 business days
International
$10
7-14 business days
  • Mailed via USPS within 24 hours
  • Up to five attachments per letter
  • PDF copy of the letter retained on your order page
  • Files deleted after mailing

Frequently asked questions

What address do I send the dispute to?

Use the consumer disputes address published by the bureau. Equifax, Experian, and TransUnion each publish a separate mailing address for FCRA disputes on their websites.

Should I dispute with one bureau or all three?

Credit data is reported to bureaus independently. If an error appears on more than one report, dispute with each affected bureau separately. One letter does not update the other two.

How long does the bureau have to respond?

Under the FCRA, the bureau has 30 days from receipt of a written dispute to investigate, contact the data furnisher, and provide a written response. The 30-day clock starts when the letter is received.

Should I send by Certified Mail with Return Receipt?

Many consumer protection lawyers recommend Certified Mail with Return Receipt for FCRA disputes — the green card is proof the bureau received the letter. PostPal mails standard First-Class Mail; for Certified Mail, contact us before paying.

What should I include with my letter?

Include: full legal name, date of birth, current address, recent address history, copy of government ID, copy of a utility bill at your current address, the specific disputed item with account number, and supporting documents.

Related solutions

Other ways to send mail through PostPal.

Ready to send?

Type a letter or upload a PDF. We mail it via USPS within 24 hours.

Mail a credit dispute — $5See all solutions