Dispute Eagle Terms of Use

Your Rights with Your Credit Report

You have the right to fix wrong info in your credit report by talking to the credit bureau yourself. But, no one, not even a ‘credit repair’ service, can remove correct and up-to-date info from your report. If negative info is correct but older than 7 years (10 years for bankruptcy stuff), the credit bureau should remove it.

You can get your credit report from a credit bureau, maybe for a small fee. But, if you were denied credit, a job, insurance, or a place to live because of your credit report recently, you can get the report for free. The credit bureau will help you understand your report. You also get a free report if you're job hunting and unemployed, on public assistance, or think there's wrong info on your report because of fraud.

If a credit repair company breaks the rules, you can take them to court. The law says they can't trick you.

You can back out of a deal with a credit repair company within 3 days of signing up, no problem.

Credit bureaus should make sure the info they have is right, but sometimes they make mistakes. You can tell a credit bureau if you think something in your report is wrong. They have to check it out and fix any mistakes for free. You should give them all the info you have about the mistake.

If you're still not happy after the credit bureau checks again, you can explain your side of the story in a statement. The credit bureau will include your statement in your report whenever someone asks for it.

The Federal Trade Commission watches over credit bureaus and credit repair companies. For more info, contact:

The Public Reference Branch

Federal Trade Commission

Washington, D.C. 20580

About Dispute Eagle

Dispute Eagle is your tool to handle credit report mistakes on your own. By using Dispute Eagle, you agree to our rules and privacy policy. You'll get to:

Link your credit reports and scores.

Check your reports from all 3 bureaus for mistakes that might hurt your scores.

Make letters to dispute mistakes.

Keep track of your progress.

We also have videos, articles, and templates to help you with credit stuff.

Your Okay to Dispute Eagle

When you link your credit reports to Dispute Eagle, you're letting us keep and use your report info and credit monitoring login details. We'll check your reports and scores for you.

Costs with Dispute Eagle

Dispute Eagle is free. You might pay for credit monitoring, which you can link to Dispute Eagle. These fees, set by our monitoring partners, is $39.99 per month. You can cancel anytime to stop future charges.

Using Dispute Eagle

Once you set up a Dispute Eagle account, you can use it anytime. It's yours to use for disputes, resources, or just monitoring your credit.

Dispute Eagle Contact Info

401 East Sonterra Blvd., San Antonio, TX 78258

Need help? Get in touch.

You can cancel this contract any time. See our cancellation form for how to do this.

Cancelling Dispute Eagle doesn't end any third-party credit monitoring you've got linked. For that, you need to talk to the monitoring service directly.

Cancellation Form

Cancel anytime.

To cancel with Dispute Eagle, call us during office hours or email us. Or send a signed, dated cancellation notice to Dispute Eagle at 401 East Sonterra Blvd., San Antonio, TX 78258:

I want to cancel this transaction,

[date]"