Letters for Equifax, Experian & TransUnion

Your credit dispute letters, drafted in seconds.One flat $39. No subscription.

Paste the items you believe are inaccurate. SnapAudit formats them into formal FCRA §611 dispute letters for all three bureaus. You review, sign, and mail them yourself. Results are not guaranteed.

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Processed in your browser. Your pasted text is not sent to our servers.

How do I copy items from my credit report?
  • Phone: long-press a word in your report, drag the handles to cover the lines you want, and tap Copy. Then long-press inside the box above and tap Paste.
  • Computer: click and drag across the lines, press Ctrl+C (Cmd+C on Mac), click the box above, and press Ctrl+V (Cmd+V).
  • Paste one item per line. You only need the accounts you believe are wrong, not the whole report.
  • If your report is a photo or scanned image, you can't copy from it. Type each item on its own line instead.

One-time $39 fee · Secure Stripe Checkout · No monthly subscriptions · All sales final

SnapAudit is a self-help document-preparation tool, not a law firm or credit repair organization, and does not provide legal advice. Results are not guaranteed.

How it works

3 steps. You stay in control.

  1. 01 · 0 to 2 seconds

    Paste the items you dispute

    Collections, charge-offs, or late payments you believe are inaccurate. Social Security and account numbers are redacted in your browser as you paste.

  2. 02 · 2 to 5 seconds

    We draft your letter

    Formatted into a formal letter for each bureau you choose, using FCRA §611 (15 U.S.C. § 1681i) reinvestigation language and each bureau’s mailing address.

  3. 03 · Your turn

    Review, sign & mail

    Unlock your letter, add your details, then print it or save it as a PDF. Sign it, include copies of your ID and proof of address, and mail it yourself.

Sample

See what your letter looks like.

An example with made-up details. Your letters use your items, your name and address, and the mailing address of each bureau you choose.

SAMPLE

Jane Sample
123 Example Street
Anytown, ST 12345

January 15, 2026

Equifax Information Services LLC
P.O. Box 740256, Atlanta, GA 30374

RE: Formal Dispute of Inaccurate Information — Request for Investigation Under 15 U.S.C. § 1681i

Full letter unlocks after checkout

FAQ

Security, safety & pricing.

Is my personal data secure?

Social Security numbers and long account numbers are redacted in your browser as you paste or submit your text, and your report text is processed in your browser rather than sent to our servers. Automatic redaction can’t catch every format, so review your text before you generate your letter.

Can you guarantee deletions?

No. SnapAudit does not guarantee that any item will be removed or that your credit score will change. When you dispute an item, the bureau must conduct a reasonable reinvestigation, generally within 30 days, and correct or delete information that is inaccurate, incomplete, or cannot be verified. Accurate information may remain on your report.

Why a flat $39 instead of monthly fees?

SnapAudit is a one-time $39 fee for generating your letters to all three bureaus, with no subscription and no recurring billing. You also have the right to dispute items directly with the credit bureaus for free; SnapAudit simply saves you the drafting.

Ready when you are

One flat $39 covers all three bureaus.

Equifax, Experian and TransUnion are all included. No subscription. You review, sign, and mail the letters yourself. Results are not guaranteed.

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Optional: build positive credit history

Some people ask to be added as an authorized user on an existing account. Offered by a third party. Mention SnapAudit referred you.

Referral disclosure: SnapAudit may receive a fee if you mention us and become the partner's customer. No credit outcome is guaranteed, and some scoring models may not count authorized-user accounts.

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SnapAudit

SnapAudit is a self-help document-preparation tool, not a law firm, credit repair organization, or credit counseling service. It does not provide legal advice.

You are responsible for confirming the items you dispute are inaccurate, incomplete, or unverifiable, and you can dispute with the credit bureaus directly at no cost. SnapAudit may receive a referral fee from a partner we link to if you mention us and become their customer.