Disclosure

Disclosure

An important disclaimer, plus how the site is funded — per FTC guidance.

Not legal or financial advice

Credit Dispute Guides provides free, general-purpose educational templates and information. It is not a law firm, a credit-repair organization, or a financial advisor, and nothing here is legal or financial advice for your specific situation. Reading the site or using a template does not create an attorney-client or any other professional relationship.

The FCRA, FDCPA, and state statutes of limitation change over time and vary by state. We try to describe federal rules accurately as of the date each page was reviewed, but you must confirm what currently applies to you before acting. For serious disputes, suspected violations, or lawsuits, consult a consumer-law attorney.

Dispute honestly

Only dispute information you genuinely believe is inaccurate, incomplete, or unverifiable. Filing knowingly false disputes — or disputing accurate items as a tactic — can be treated as frivolous and may carry consequences. These templates are not a tool for erasing debts you actually owe.

No warranty

The templates and information are provided "as is," without warranty of any kind. We make no guarantee that a letter will remove an item, raise a score, or produce any particular outcome. You are responsible for what you send, for meeting deadlines, and for the accuracy of what you fill in.

How the site is funded

This site is free to use. Some outbound links may be affiliate links — if you sign up for a service through one, we may earn a commission at no extra cost to you. A commission never changes the information we publish or the letters we provide.

Trademarks

References to laws (such as the FCRA and FDCPA) and to bureaus, creditors, or agencies are for identification and education only. This is an independent reference and is not affiliated with, endorsed by, or sponsored by any government agency, credit bureau, or creditor.