1
Upload
Your credit report or just a photo of the negative line item. We pull out the furnisher, the account, and what it says.
AI · Credit · Debt Defense
Algorithms have been used against you for years. Now you have one that fights for you.
An algorithm scored you, priced your loans, and locked you out of housing — without ever letting you audit its math. The Dispute Project is a charity-run piece of software that puts the same speed, scale, and math efficiency back on your side of the table.
Upload a credit report. Our AI classifies every negative line item, generates the legally armed letter, delivers it, tracks the reply clock, escalates when ignored — on a loop — until the wrong data is gone.
Charity-run · No subscription · No per-item fees · Your data is never sold.
Why this exists
The math harmed you. Different math can fix you.
1-in-4
Reports contain an error
FTC study. One wrong tradeline is enough to block a mortgage, a lease, a job.
$10,000+
The real cost of one error
Over the life of a single mortgage, a 50-point FICO drop from one wrong late payment is routinely six figures of extra interest.
30 days
The law on your side
Furnishers must reinvestigate within 30 days of a dispute. Almost nobody files one. We do it for you, in bulk.
Why it's broken
The credit system was built to score you — not to hear you.
A few simple truths hold most people back:
- You can't see how you're scored. The models are hidden. You learn your number, not the math.
- There's no human to appeal to. If the bank is wrong, the decision is still made by software.
- One mistake compounds. A wrong late payment lowers your score, which raises your rates, which makes the next bill harder. The loop runs in one direction.
- Almost nobody has time to fight it. The law gives consumers the right to dispute. Almost nobody uses it, because it is slow, paper-heavy, and exhausting.
The Dispute Project is the piece of software that pulls the lever for you.
How it works
Five steps. A loop that runs until it wins.
2
Match
We pick the right legal tool for that item — wrong late payment, charge-off, collection, identity theft, re-aged debt — each one has its own rulebook.
3
Letters go out certified mail, same day. To the furnisher. To all three bureaus. You get copies.
4
Track
The 30-day reply clock is running. We watch it. Green means deleted. Yellow means "they verified" — we write back. Red means silence — we escalate.
5
Escalate
If they ignore the law we go to the Consumer Financial Protection Bureau. Then to state regulators. Then to small-claims court. The item goes away.
Three things we do
All free. All transparent.
Dispute Engine
The core product. Upload, classify, mail, track, escalate. Runs automatically on a loop until the wrong tradeline is gone.
Start a dispute →Letter Library
Every template we use — free to download, plain-English annotated, ready for you to use without us.
Browse letters →Escalation Guide
A step-by-step ladder from the first letter to a small-claims filing. Honest about what works and what doesn't.
Read the guide →What we won't do
No tricks.
Every letter we send — you see it before it's mailed. Every statute we cite — we explain why. If a dispute is unlikely to succeed, we say so up front. If your item is accurate, we tell you that too, and we stop.
We will never sell you a "credit-repair package." We will never charge per item. We will never promise a score increase. We are a small charity. Our one metric is how many wrong items we get deleted.
Letter Library
Take the tools. Use them yourself.
Every template is plain-English, annotated, free. No sign-up.
Bureau Dispute
The direct letter to Experian, Equifax, TransUnion. Triggers a 30-day reinvestigation duty.
Furnisher Dispute
The letter straight to the bank or lender. Forces them to produce proof or correct.
Mortgage Servicer Notice
For home-loan servicing errors. Substantive response required within 30 days.
State UDAP Demand
Florida, California, New York and more. Actual damages plus attorney's fees where state law allows.
Pre-Litigation Notice
10-day cure. If they don't fix it, the small-claims filing is next.
Small-Claims Filing
Court-ready complaint template. Up to $8,000 in damages.
Get help
Why do you need our help?
This service is completely free. Tell us a bit about yourself and what's going on — we'll be in touch.
Support us
Want to be part of the solution?
Whether it's a donation, a partnership, or volunteering your time — we'd love to hear from you.
Who's behind it
Built by people who've watched this imbalance for decades.
Kelly Nyks
Founder & Co-Director
“When individuals or communities with limited means come up against institutions with effectively limitless resources, the outcome is too often a foregone conclusion — not because one side is right and the other wrong, but simply because one side can afford to keep fighting and the other cannot. Few arenas bring that inequity home more sharply than personal finances, where a single erroneous charge can cascade into real consequences for someone already stretched thin.”
Kelly is an Emmy-nominated filmmaker and New York Times bestselling writer whose work has taken him across the Americas, Europe, Asia, the Arctic, and Africa. Feature titles include Requiem for the American Dream, The Age of Consequences, Disruption, Do the Math, Disobedience, Money Is Material, and Impossible — broadcast in over 90 countries and streamed on all major platforms. His films have played marquee festivals worldwide including IDFA, Sundance, Tribeca, HotDocs, CPH:DOX, and DOC NYC. Kelly is a Good Pitch and EuroDocs alumnus, a member of the Dutch Directors Guild, and previously served as Artist in Residence in the Faculty of Arts and Sciences at Harvard University.