Do I review dispute letters before they're sent?
Yes, always. Every dispute letter CreditRefresh drafts sits in your dashboard until you approve it. Nothing is mailed automatically. The AI flags the issue and writes the letter citing the legal grounds, but you make the final call on whether each one goes out. If something in a letter looks wrong, don't approve it, and contact support so it can be corrected.
Nothing sends without your approval
The AI's job is to find disputable items and draft the letters. Your job is the final decision. Every letter waits in your dashboard until you approve it, and only approved letters get mailed. There is no automatic sending.
This is deliberate. The letters go out in your name, about your credit file, so you should know and agree with exactly what each one says.
What to check when you review a letter
- The account: is this actually the item you expect, at the right creditor or collector?
- The claim: does the stated problem match reality as you know it? If the letter says a payment was on time, was it?
- Your details: name and address should match your current information.
- The ask: deletion or correction should match what the facts support.
If something looks wrong
Don't approve the letter. A dispute built on a wrong fact wastes a round: the furnisher will verify the item and the bureau will keep it. Instead, email support@creditrefresh.ai and describe what is off. Getting the letter right before it mails is always faster than fixing a bad dispute afterward.
If you know something the AI doesn't
The AI works from what is on your reports. You might know context it cannot see, like a payment made in cash or an account that belongs to a relative with a similar name. If that context changes what the letter should say, flag it to support before approving.
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You can dispute any item on your credit report that's inaccurate, incomplete, outdated, or unverifiable — including wrong balances, payments marked late incorrectly, accounts that aren't yours, items past the 7-year window, and reporting that violates the FCRA. You cannot dispute debts you legitimately owe and that are reported accurately. CreditRefresh won't generate letters without grounds.
After CreditRefresh mails a dispute letter, the bureau receives it, contacts the data furnisher (the bank, lender, or collector that reported the item), and asks them to verify the disputed information. The bureau then deletes, modifies, or verifies the item based on what the furnisher reports back. The whole investigation has to be done within 30 days under FCRA Section 611.
CreditRefresh is an app that uses AI to find errors and FCRA violations on your credit reports, then drafts custom dispute letters to Equifax, Experian, and TransUnion. It pulls your reports automatically, flags inaccurate balances, outdated items, and reporting that violates federal law, and tracks each bureau's 30-day response. You approve every letter before it's sent.