Every credit dispute, tracked from letter to outcome
Dispute Ledger reads your credit reports, drafts the dispute letters, and keeps score of every round — deadlines, bureau responses, and the items that finally come off.
Your reports and letters stay private to your account — never shared, never sold.
Deleted
4
Updated
2
Still on
1
How it works
From a messy report to deleted items in four steps
You stay in control the whole way — Dispute Ledger does the reading, drafting, and tracking.
Upload your credit report
Drop in a PDF from any bureau or monitoring service. Dispute Ledger reads it and pulls out the negative accounts automatically.
Review what to dispute
Work through collections, charge-offs, and late payments one at a time, each with a plain-English reason it is worth disputing.
Generate and mail letters
Get FCRA-backed letters — a separate one per bureau — and send them by certified mail without leaving the app.
Track every outcome
Follow response deadlines, see what got deleted or updated, and know exactly what to send in the next round.
Why Dispute Ledger
Built to run the whole dispute, not just write one letter
See what is hurting your score
Upload a credit report and Dispute Ledger finds the negative accounts — collections, charge-offs, late payments — and explains why each one is worth disputing.
Send disputes that follow the law
Generate bureau-ready letters backed by the Fair Credit Reporting Act, from first disputes to follow-up demands when a bureau claims an item was "verified."
Track every round to the outcome
Mailing deadlines, response windows, and round-over-round results in one ledger — so you always know what got deleted and what to send next.
Pricing
Simple, per-letter mailing — no bundles
Start free. Upgrade when you are ready to run unlimited rounds and mail with one click.
Free
$0 to start
- 1 report upload and AI analysis
- Review queue for negative accounts
- 1 letter draft (download or print)
- No certified mailing
Ledger
$19 /mo — or $190/yr
- Unlimited reports, letters, and rounds
- Report comparison and saved outcomes
- Calendar and email follow-up reminders
- CSV export, document vault, one-click mailing
Certified mailing
$12.99 per letter
- USPS Certified Mail with tracking
- ID and address documents auto-attached
- Paid at send time — no bundles required
- Available to Ledger plan members
Added to any paid plan at send time.
Ready to clean up your credit report?
Upload your first report free and see exactly what is holding your score back — in a few minutes, not a few weeks.
Start your first dispute