Take Control of Your Credit Report!
You're one of the first people to try Dispute Logic — the AI-powered, do-it-yourself credit dispute app. Get it free and help us build something great!
Get the free beta 🎉
Tap the button for your phone.
What is Dispute Logic?
Dispute Logic helps you find possible errors on your credit report and challenge them yourself, with AI doing the heavy lifting. No expensive credit repair company. You stay in control.
Upload your report 📄
Upload your credit report PDF. We read all three bureaus (TransUnion, Experian, and Equifax) for you.
AI finds the problems 🔍
Dispute Logic flags items that may be inaccurate, outdated, or unverifiable, and explains why in plain English.
Targeted dispute letters 🎯
No one-size-fits-all templates. Every letter is tailored to the exact type of dispute — collections, late payments, inquiries, identity theft, and more — and cites the specific rights that apply, so each one is built to be effective. Mail it yourself or have us mail it.
Track every result 📈
See every dispute in one place, get deadline reminders, and upload bureau responses to see what changed.
Backed by consumer protection law ⚖️
Dispute Logic doesn’t guess. Every letter is built on federal consumer protection law, and uses the rights that fit your exact situation.
Dispute Logic helps you use these rights yourself. It isn’t legal advice, and no one can legally guarantee that accurate information will be removed.
What makes Dispute Logic different 💡
Instead of one-size-fits-all templates, Dispute Logic is built around your real reports and your exact situation, from finding the problem to mailing the letter.
All three bureaus, side by side
Our Cross-Bureau Mismatch Report shows where Experian, Equifax, and TransUnion disagree about the same account, so you can see what to check. Save it as a PDF and mail it with your letter.
A letter for your exact situation
Different letters for credit bureaus, debt collectors, lenders, and identity theft, each written around the specific item. You read and approve every letter before anything is sent.
Print it, or we mail it for you
Print your letter yourself, or pay a small postage fee and we mail the paper letter for you, with your ID and supporting documents attached. Track it from the app.
Goes beyond the obvious
Besides the usual suspects, Dispute Logic flags reporting-format issues (the Metro 2 industry standard) and builds them into your letters, in plain English.
Upload their response. We help you read it.
Your dispute isn't over when the bureau or collector writes back. Upload the response letter, from a credit bureau, a debt collector, or a lender, and Dispute Logic reads it for you.
- Shows what they said, in plain English: fixed, deleted, "verified," or no real answer.
- Checks it against the deadlines and rules that apply, and points out where a response may not have followed them.
- Suggests your appropriate next step, such as a follow-up letter or, if needed, a complaint to the CFPB or your state Attorney General.
A next step if a dispute stalls
If a bureau doesn't respond properly, you can build a complaint to the CFPB or your state Attorney General, using the dispute record you've already kept.
Logic UnlimitedBeyond the big three
Guidance and letters for specialty consumer reporting agencies, the smaller bureaus that can affect banking, renting, and insurance, plus help with credit freezes.
Logic UnlimitedA guide at every step
Ask Logi, our AI guide, explains what you're looking at and what to do next, in English or Español. No credit-repair jargon.
You stay in control
You do the disputing yourself. We only ask for the last 4 digits of your SSN, and your letters and documents stay in your private Documents Vault.
Dispute Logic gives you the tools to dispute on your own. Results vary, and no one can guarantee that accurate information will be removed. Response reviews point out possible problems and suggest options; they are not legal advice or a finding that anyone broke the law.
Why you'll love it
Beta testers: we need you! 🙌
Here's how you can help:
- Use the app for real. Upload a report and try the features.
- Tell us what's confusing, broken, or awesome.
- Keep the app installed for at least 2 weeks.
Test for 2 weeks, get 30 days free to start your credit journey
Use the app for 2 weeks and send us your honest feedback, the good and the bad. Then we'll send you 30 days free so you can start your own credit journey.
Send my feedback ✉️One reward per person. We want honest feedback, not praise. Your reward is sent by email after we receive your feedback.
Learn it with us, free 🎓
Join the free Dispute Logic training community
New to disputing? You don't have to figure it out alone. Our free community walks you through the software step by step.
- Learn how to use each part of the app
- Ask questions and get help from the team
- Pick up tips from other beta testers