Your credit report dispute. One organized paper trail.
Review information against your own records, prepare bureau-specific letters, and track every mailing, response window, and follow-up decision in one private workspace.
You choose every item, approve every letter, and decide what gets sent. Results are not guaranteed.
Item under review
Sample Bank · ending 4821
Reported balance does not match the consumer's statement.
Fictional data shown. Dispute Ledger provides workflow software, not legal advice or guaranteed outcomes.
How it works
From report to documented dispute—in four deliberate steps
The software organizes the work. You verify the facts, approve the language, and choose what to send.
Upload your credit report
Add a PDF from a bureau or monitoring service. Dispute Ledger extracts reported accounts into a private review queue.
Confirm what is inaccurate
Compare each item with your records. You decide what is inaccurate or incomplete and what should be left alone.
Review and send your letters
Create a separate draft for each bureau, edit every word, then download it or choose paid certified mailing.
Keep the paper trail together
Track delivery, response windows, bureau replies, supporting documents, and any follow-up you choose to make.
Why Dispute Ledger
More than a letter generator: a record of the whole process
Review one reported item at a time
Turn a dense report into a clear queue. Compare extracted details with your own records before deciding whether anything is wrong.
Build bureau-specific drafts
Organize the facts, documents, and explanation for each bureau. You review and approve every letter before it leaves your workspace.
Know what happened and what is next
Keep mailing records, response dates, reported changes, and follow-up decisions in one timeline without relying on memory or loose files.
Pricing
Simple online mailing — single letters or three-bureau bundles
Start free. Upgrade when you are ready to run unlimited rounds and mail with one click.
Free
$0 to start
- 1 report upload and assisted extraction
- User-controlled account review queue
- 1 letter draft (download or print)
- No online mail fulfillment
Ledger
$19 /mo — or $190/yr
- Unlimited reports, letters, and rounds
- Report comparison and saved outcomes
- Calendar and email follow-up reminders
- CSV export, document vault, mailing access
Mail fulfillment
$2.99 per letter
- First-Class: $2.99 each or $7.99 for all 3
- Certified: $12.99 each or $34.99 for all 3
- ID and address documents auto-attached
- Per letter: up to 12 PDF pages double-sided or 6 PDF pages one-sided
- Available to Ledger plan members
Added to any paid plan at send time.
Found something that does not match your records?
Start a private review, organize the supporting details, and preview your first letter without entering a card.
Start free — no card required