You upload a credit report, pick items to dispute, we generate FCRA-compliant dispute letters for your review, and once approved we mail them via USPS Certified Mail.

Under the FCRA, the credit bureau has up to 30 days from the date they receive your letter to investigate and respond. Certified Mail proves the bureau received it, which is what starts the clock.

Certified Mail with Return Receipt is the gold standard for credit disputes. Tracking proves USPS accepted the letter, the return receipt proves the bureau got it, and the 30-day FCRA response window starts on delivery.

Most bureaus respond within 30–45 days of delivery. Some disputes require multiple rounds — that's normal. We'll automatically surface escalation options if the bureau misses the FCRA deadline.

Open Bureau Responses from the main menu, tap 'Upload a response', and attach the PDF or scan you received from the bureau. We'll link it to the matching case and tell you what to do next.

USPS Certified Mail typically takes 2–5 business days to deliver. Tracking updates appear on USPS.com — we mirror them on your case timeline. If tracking shows 'delivered' but you have not received a response within 30 days, your case will surface follow-up options.

Payments cover certified mail postage and printing. Letters not yet handed off to USPS may be cancelled for a full refund via support.

If a page won't load, pull down to refresh. If a letter shows 'failed', contact support if the issue persists. Tracking sometimes lags a day behind USPS.com.