Free tools · No signup required
Free credit dispute tools.
Assess your case, check your letter, and estimate your potential score lift — three free tools, no account, nothing to install. The law is on your side; these help you use it.
01
Quiz
Should I dispute?
Answer six quick questions to find out whether an item is worth disputing, which FCRA section applies, and your estimated success likelihood.
~2 minutes · No sign-up
Open the tool 02
Checklist
Dispute letter checklist
Make sure your letter has every element a bureau needs to act — with real-time grading against FCRA best practices as you check items off.
Interactive · Graded A–D
Open the tool 03
Simulator
Credit score impact simulator
Estimate how far your score could climb by removing collections, late payments, charge-offs, and other negative items from your report.
Estimate in seconds
Open the tool When you're ready
Done sizing it up? Send the letter.
ScoreWipe writes FCRA-compliant dispute letters tailored to your report, cites the statute by section, and tracks the 30-day clock. Start free.
Upload my report — free