That account isn't yours, or it's already paid. The online form sent it right back.
An online form is built to close.
A certified letter is not.
$39 $29 flat · About 5 minutes · No subscription
Mailed in 48h or your $29 back
What actually happens
6 quick questions. What the report says, what's wrong, and what you already tried.
A letter that names the item, says exactly why it's wrong, and asks for a real answer.
A legal professional reads your letter before anything is printed or mailed.
USPS Certified to the bureau and the company that reported it — both on the hook.
Your letter is custom-drafted by AI trained on the Fair Credit Reporting Act, then reviewed by a licensed attorney. It names the specific inaccurate item, cites the bureau's reinvestigation duty, and demands correction or deletion within 30 days.
USPS Certified Mail means the bureau must sign a green receipt on delivery — starting the 30-day FCRA clock and giving you court-grade proof if they fail to fix it.
A credit error doesn't fix itself — and every month it sits there, it can cost you a higher rate on a loan, a card, an apartment, or a job. A certified dispute forces a reinvestigation on a legal deadline.
The bureau signs for your letter. The FCRA 30-day reinvestigation clock officially begins — with proof of the date.
The bureau must contact the furnisher and verify the item. Anything they can't verify must be corrected or deleted under §1681i.
Missed the deadline or failed to fix a verifiable error? You may have a claim under §1681n / §1681o — plus a CFPB complaint on record.
The signed delivery receipt is proof the dispute was made and dated — the foundation for every remedy that follows.
If your report shows something that's wrong, outdated, or isn't yours, the FCRA gives you the right to demand a correction. Jab drafts the letter that forces it.
| Option | Jab | Credit Repair Company | Online Dispute |
|---|---|---|---|
| Cost | $50–$150/mo, ongoing | Free | |
| Exact FCRA statute citation | ✓ Always | Varies | ✗ Generic form |
| Attorney review | ✓ Included | Rarely | ✗ None |
| USPS Certified Mail record | ✓ Included | Not always | ✗ No paper trail |
| Forces a full reinvestigation | ✓ Written & dated | ✓ Usually | Often automated / weaker |
| Time to send | 5 minutes | Days to onboard | Confusing forms |
Answer a few questions on Jab. We generate an FCRA dispute letter citing 15 U.S.C. §1681i and §1681e(b), an attorney reviews it, and we mail it USPS Certified to the credit bureau within 48 hours. $29 flat — no monthly credit-repair subscription.
Under the FCRA (§1681i), the bureau must complete a reasonable reinvestigation within 30 days — 45 days if you disputed after pulling a free annual report. If they miss the deadline or can't verify the item, it must be deleted or corrected.
A written, certified dispute creates a dated legal record that you invoked your FCRA rights and forces a full reinvestigation. Online portals often route to an automated system (e-OSCAR) with fewer protections. The signed Certified Mail receipt is court-grade proof if you later need to sue under §1681n or §1681o.
Both are options, and the strongest disputes often go to the credit bureau (Experian, Equifax, or TransUnion), which is required to forward your dispute to the furnisher under §1681s-2(b). In the wizard you choose your target; if you pick the furnisher, we collect their address so the letter reaches them directly.
The FCRA gives you extra power. Under §605B (15 U.S.C. §1681c-2), a credit bureau must block information resulting from identity theft within 4 business days of receiving your identity-theft report. Your letter can invoke this block directly.
A single wrongful late payment can drop your score by dozens of points — enough to raise the interest rate on a mortgage or auto loan by thousands of dollars over its term, or to get you denied for a card, apartment, or job. Fixing it is often the highest-ROI $29 you'll spend.
If we can't mail your letter USPS Certified within 48 hours, full refund. If you receive your letter and feel it doesn't accurately reflect your dispute, contact support — we'll either revise or refund.
5 minutes to start. USPS Certified Mail to the bureau within 48 hours. $29 flat — or your money back.
Send My Dispute Letter — $29 →The deadline that applies, what the statute says happens when it is missed, and the code section so you can read it yourself.
The investigation deadline, what the bureau owes you, and what you can recover. 10 states checked so far.
See the federal credit-report rules →