Description
Found a mistake on your credit report? You can fix it yourself, for free. Tidy Credit keeps the whole process in one place: what is wrong, which bureau shows it, the letters to send, and who owes you an answer and when.
📬 Five letter templates, filled in for you
- Bureau dispute letter — the main one, to Equifax, Experian and TransUnion (FCRA §611)
- Furnisher dispute letter — to the bank, lender or collector that reported it (FCRA §623)
- Method of verification request — when a bureau says “verified” and you disagree (FCRA §611(a)(7))
- Goodwill adjustment request — for a late payment that is accurate (a request, not a right)
- Debt validation request — to a collector, within 30 days of first contact (FDCPA §809(b))
Pick an item from your list and the letter fills itself in: your details, the bureau’s mailing address, the account, what is wrong and why. Live preview as you type, and a short “before you send it” checklist on every one. Print or save as PDF.
⏱️ A dispute log that watches the clock
- Every letter logged with the date, the bureau and the certified mail number
- The bureau generally has 30 days to investigate — the log works out the date to chase and flags anything overdue
- Outcomes: corrected, deleted, verified, no response
🔍 Also inside
- Items to dispute: one entry per item, per bureau, with status
- Credit reports pulled: date, confirmation number, what you found
- Who to write to: the three bureaus’ dispute addresses and the CFPB, already filled in
- Evidence & documents: what you sent, when, and where the originals are
- Step by step: pulling your reports through to a CFPB complaint, as a checklist you tick off
- Know your rights: what the law gives you and what it cannot, in plain English
- Light and dark mode
How it works
- You get a single file that opens in your web browser (Chrome, Edge, Firefox or Safari) on Windows, Mac or Chromebook.
- No account, no subscription, no install. Works offline.
- Your data stays on your computer. Nothing is uploaded.
- Download a backup file any time. Optional passcode lock with AES-256 encryption — worth turning on, because this file holds your details.
- Best on a computer. Most phones can’t open downloaded app files.
What you get
- Tidy-Credit.html (the app)
- Quick-start guide (PDF)
Please read. This is an organizer with letter templates you complete yourself. It is not legal advice, not a credit repair organization and not a credit counselling service. Nobody can promise a score change, and accurate, current information cannot be removed from your report by disputing it. Everything here you can do yourself for free — this just keeps it organized. Send only statements you know to be true.
Want paper forms too? Get the Credit Dispute Kit, or save with the Credit Dispute Pack.
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