Credit Dispute KitFree for Exit My Solar Deal clients
Your credit reports, fixed the right way.
Create a free account to begin. Everything in this tool — your information, your reports, your letters — stays locked behind your password and is private to your account alone.
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Not a law firm. Not legal advice. This free educational tool builds the dispute letters the law gives you the right to send yourself. No result is promised — accurate information cannot lawfully be removed.
What needs fixing on your credit report?
Four short steps. At the end you get one PDF with every letter written for you — all you do is print, sign, date, and mail.
First, tell me who you are. This information fills in every letter for you — your name and address at the top, your date of birth and the last 4 digits of your Social Security number in the identification line — so that when you print your letters, everything is already filled in except your signature and the date, which you add by hand when you sign.
Please enter only the last 4 digits of your Social Security number. Never type the full number — it is never asked for and never stored. Everything here stays in your private account.
Go to AnnualCreditReport.com. It is the one website authorized by federal law to give you your reports, and reports from all three bureaus — Equifax, Experian, and TransUnion — are available there free, every week. No credit card. Checking your own reports never hurts your score.
- Open the site and choose to request your reports.
- Pick all three bureaus — each report can be different, and an error can sit on one and not the others.
- Answer each bureau's security questions (they ask about your own past addresses and loans).
- Save or print each report. On your phone, use Share, then Print or Save to Files, so you have each report as a PDF — or print the pages and photograph them in the next step.
- Prefer the phone? Call 1-877-322-8228 and the reports will be mailed to you.
Want all three reports and your scores in one dashboard instead? Some monitoring services offer a short trial for a small fee. If you use one, read the terms before you start, note the day the trial ends, and cancel before that day if you do not want to keep it — the free site above gives you the same reports with nothing to cancel.
Add your reports here — the saved PDFs, or photograph the printed pages with your camera, one page at a time. Add as many pages as you have; they are treated as one combined set of reports. When every page is in, press Finish and the deep review begins.
Every item below gets its own set of letters. Uncheck anything you believe is actually correct — never dispute accurate information. Use the trash button to remove an item completely.
Add an item yourself
Spotted something the review missed? Add it here and its letters will be built exactly the same way.
Your PDF packet holds: a plain how-to page, your findings, three letters for every item (Round 1 now, plus the Round 2 follow-up and the Round 3 final demand, already written for when you need them), a direct dispute letter to each company that reported an item, identity-theft block and personal-information letters when they apply, a mailing tracker, and your rights in plain English. Print it, sign and date each Round 1 letter, and mail by certified mail with return receipt requested.