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DontPayDisputes

How It Works

From credit report to dispute-ready in four simple steps.

Upload your documents, verify the facts, choose the best reason, and stay ready for the next step.

Start my first caseSee pricing
Quick takeBuilt to save time and reduce confusion when you are dealing with multiple accounts and bureaus.

The Four Steps

A rhythm you can revisit every 30 days.

Each step has one purpose: gather, verify, choose, and keep the next window visible.

01Step 01

Upload the paperwork you already have

Start with the paperwork already sitting in your inbox, drawer, or camera roll. Upload your credit report, collection letters, statements, and bureau mail into one case.

Use PDFs, screenshots, or phone photosCrop pages before moving forwardKeep every document tied to the same dispute case
Upload to case4 files

Drop PDFs, photos, or screenshots

credit-report.pdf
collection-letter.jpg
statement.pdf
02Step 02

Review the facts AI pulls out

Instead of reading every line by hand, you get a clean summary of creditor names, balances, dates, statuses, and other facts you can verify quickly.

Balances, dates, and account details surfaced automaticallyEdit anything that looks wrongNothing moves forward until you approve it
Facts pulled out12 items
CreditorPortfolio Recovery
Balance$1,284.50
Opened03/2019
StatusCollection
Approved by you before any letter
03Step 03

Choose the right reason for that bureau

Pick the bureau-approved dispute reason that best matches your situation, from debt verification to inaccurate balance, missing information, and more.

Built for TransUnion, Equifax, and ExperianTrack which reasons you have already usedKeep supporting facts attached to the right dispute
Bureau reason
TU
EQ
EX
Debt not verified
Inaccurate balance
Not mine
04Step 04

Stay ready for the next 30 days

Know what was sent, when it was sent, and what comes next if the bureau or creditor does not respond or you need another round.

Track mailing and response windowsLog bureau responses in the dashboardKeep moving every 30 days until you win or run out of valid reasons
Round timeline
Apr 9Mailed
Apr 14Bureau received
May 9Response window
May 10Next round ready

Start with these

What to have ready

  • A recent credit report PDF, screenshot, or photo
  • Collection letters, account statements, or bureau mail
  • A few minutes to review the facts AI pulls out
  • A sense of which items you want to challenge first

What gets saved for you

In your case file

  • Document summary and saved key facts per upload
  • Creditor and bureau records in one dashboard
  • Selected dispute reasons attached to the right bureau
  • A 30-day timeline for the next round

Ready?

Compare plans

One-time or monthly. Pay only when you need a letter prepared.

See pricing

Open the File

Start free. Verify the facts before you pay for a letter.

Upload the reports, collection letters, and statements now. Turn on billing only when you want a prepared dispute document or monthly tracking for repeat rounds.

Start freeSee pricing
Customer approval

You review the facts before anything is turned into a dispute document.

Flexible billing

Start free, then activate one-time or monthly help only when you need it.

Built for repeat rounds

Keep each bureau reason and 30-day window tied to the same case file.

PricingStart free