Legal

Terms of Service

Effective date: July 13, 2026

These terms govern your use of Dispute Ledger. By creating an account or using the service, you agree to them.

What Dispute Ledger is

Dispute Ledger is self-service software. It helps you review your own credit reports, draft your own dispute letters, and track your own dispute rounds. You write, approve, and choose to send every letter yourself — Dispute Ledger does not contact credit bureaus, creditors, or any third party on your behalf, and does not perform disputes for you. Certified mailing is a fulfillment service: when you choose to mail a letter, we act as a print-and-mail vendor at your direction, priced per letter.

Dispute Ledger is not a credit repair organization, a law firm, or a financial or legal advisor, and nothing in the service constitutes legal or financial advice. We make no guarantee about the outcome of any dispute, including whether an item is corrected, updated, or removed from your credit report.

Your responsibilities

You are responsible for the accuracy of the information you submit, including account details and the basis for each dispute. You agree to use Dispute Ledger only to dispute information in good faith — that is, you have a genuine, good-faith basis to believe the information you are disputing is inaccurate, incomplete, or unverifiable. You agree not to use the service to submit fraudulent disputes or to dispute information you know to be accurate.

Subscriptions and payments

Paid subscriptions renew automatically at the end of each billing period until you cancel. You can cancel at any time through the billing portal in your account settings; cancellation takes effect at the end of the current billing period. Certified mailing is billed separately, per letter, at the time you choose to send it.

Limitation of liability

To the maximum extent permitted by law, Dispute Ledger and its operators are not liable for indirect, incidental, special, or consequential damages arising from your use of the service, including any outcome (or lack of outcome) of a dispute you send. Our total liability for any claim relating to the service is limited to the amount you paid us in the twelve months before the claim arose.

Governing law

These terms are governed by the laws of the State of {Your State} — confirm with counsel.

Contact

Questions about these terms can be sent to info@disputeledger.com.