Found a credit report error? Turn proof into a dispute packet.

Upload your credit report, marked error, payment proof, identity documents, and creditor correspondence. Get a dispute letter, itemized error table, and numbered evidence packet you can review before sending.

See sample packet

Sensitive documents stay under your control. Use copies and review before sending to a credit bureau or furnisher.

Built around CFPB and FTC guidance
No credit-score promises
You review before sending

30 common response window

Furnishers generally must investigate and respond after receiving a written dispute.

1 itemized errors

Account, reported item, why it is wrong, requested correction, proof.

1 PDF packet

Letter, error table, identity proof, and evidence index.

Don't wait: You can dispute with the credit reporting company and the company that furnished the information. Follow the addresses and instructions on your report.

What you get back

From that pile of files to this packet

Marcus's incorrect late-payment report: bureau report, payment record, and creditor letter turned into a dispute letter, error table, and evidence index.

Credit Report Dispute Packet sample: Dispute letter — PAGE 01 / Dispute letter

Credit Report Dispute Packet sample: Error table — PAGE 02 / Error table

Credit Report Dispute Packet sample: Evidence index — PAGE 03 / Evidence index

A credit report dispute letter with your identifying details and requested correction

An itemized error table for each account or personal-information issue

A supporting-documents checklist for identity, address, and evidence attachments

A numbered evidence index you can reuse for each credit bureau or furnisher

One combined PDF packet ready to mail, upload, or keep as your dispute record

Take the full packet with you

Download the complete sample PDF and see, page by page, how the finished packet is structured.

PDF3 pagesDispute letterError tableEvidence index

How it works

Three steps. None of them painful.

Upload what you have

Photos, PDFs, screenshots, forwarded emails — in any order, straight from your phone. Messy is fine; that's the job.

We build your packet

Everything gets sorted, named, and assembled — the letter drafted, the timeline dated, every document numbered and indexed.

Download, review, and send

One clean PDF for wherever it needs to go — a dispute portal, an email, a printer. You review it before using it.

Is this you?

Made for exactly this situation

Your credit report shows an account, balance, late payment, or personal detail that looks wrong

You have payment proof, settlement letters, identity-theft documents, or creditor messages

You want to dispute by mail or upload a complete written packet

You need one organized copy for each bureau or furnisher

Evidence checklist

Gather these first

A credit-report dispute should be precise. Identify the report, account, item, why it is wrong, and what evidence supports the correction. PackMyDocs turns your marked-up report and proof into a clear written packet.

0/7 Tick off what you have.

Credit report page showing the error The dispute must identify the exact item and the report or confirmation number if available. Required
Marked explanation of each disputed item Shows what you believe is inaccurate or incomplete and what correction you request. Required
Identity and address documents Bureaus may need proof of your identity and current mailing address. Required
Payment proof, statements, or account records Supports paid, closed, wrong-balance, duplicate, or misreported-payment disputes. If it applies
Creditor or collector correspondence Letters and emails can show account status, settlement, fraud reports, or prior corrections. If it applies
Identity theft report or police report Important for accounts or inquiries that may involve fraud. If it applies
Prior dispute responses Helps if you are following up after an investigation did not fix the item. If it applies

Tick off what you already have — progress stays on this device.

After you hit send

How the process usually goes

STEP 1

Identify the exact inaccurate item

Use the report name, date, account name, account number fragment, and item being disputed. Vague disputes are harder to investigate.

STEP 2

Attach copies, not originals

CFPB and FTC guidance points to written disputes with supporting copies. Keep original statements, letters, and identity documents for yourself.

STEP 3

Send to the right place

You may dispute with the bureau and with the company that supplied the information. Use the mailing or upload instructions from your report.

STEP 4

Track responses and corrections

Keep the packet, proof of sending, and any investigation response. If the item changes or remains, you will have a clean follow-up record.

Common questions

How much does it cost?

Previewing the checklist and sample packet is free. If you decide to build your own finished credit report dispute packet, it costs $15.

What do I actually upload?

The credit report page, your marked error notes, ID/address proof, payment records, creditor letters, collector letters, identity-theft reports, and prior dispute responses if you have them.

Will this improve my credit score?

No one can promise that. If inaccurate information is corrected, your report may change, but PackMyDocs only organizes the dispute packet.

Should I dispute online or by mail?

Credit reporting companies offer different channels. A packet can support either route: upload the PDF if allowed or use it as a mail-ready file.

Can I dispute several errors at once?

Yes. The packet creates a separate row for each disputed item so the bureau or furnisher can see exactly what you want investigated.

Is this financial or legal advice?

No. PackMyDocs prepares your documents for a dispute you control. It does not advise you on credit strategy, debt liability, or legal rights.