760 Plus Credit
Dispute Builder — Draft 1
1Start
2Import
3Review
4Your Info
5Letters

Pull your report in 3 steps

You'll do this on your own Credit Karma account — nothing here ever asks for your Credit Karma login.

If you are having any troubles managing the steps, just follow along the tutorial video and everything will end up working perfectly. 

Drag this button up to your browser's bookmarks bar (if it's hidden, press Ctrl/Cmd + Shift + B to show it first):

📥 Pull My Report

Can't drag it (some phones/browsers block this)? Tap below to copy the code instead, then create a new bookmark manually and paste it as the address/URL.

Log into Credit Karma, go to your credit report, and expand every account so the details are visible on the page (click each one open — the tool can only read what's expanded). Use the printer friendly view on transunion and equifax when you pull your report.

https://www.creditkarma.com/credit-health/transunion/credit-report/print 

https://www.creditkarma.com/credit-health/equifax/credit-report/print 

It will scan the page and copy your account info automatically. You'll see a confirmation pop-up when it's done — then come back to this tab.

Paste your report

Paste what the bookmarklet copied to your clipboard (Ctrl/Cmd + V).

Select items to dispute

Reasons are auto-suggested from the data. Adjust any before generating letters.

Negative accounts
Inquiries
Positive accounts (not disputable, shown for reference)

Your details

These fill every letter's header and signature block.

Generate your letters

General dispute letter

One letter, addressed to all three bureaus together.

FCRA Section 609 letter

One letter per bureau, citing FCRA §609/605/623.

Where to mail these
Experian — P.O. Box 9701, Allen, TX 75013
TransUnion — P.O. Box 2000, Chester, PA 19016
Equifax — P.O. Box 740256, Atlanta, GA 30374
• Sign each letter by hand.
• Include a copy (not original) of your ID, and a utility bill OR bank statement as proof of address.
• Send each bureau's letter separately, ideally by certified mail with return receipt, so you have proof of when it was received.
• Keep a copy of everything you send for your own records.
• Bureaus generally have 30 days to respond once they receive your letter. I would advise that you check on your credit weekly to see your improved scores and results.