CheckDispute

See the process.
Keep the final say.

We’ve prepared a sample case so you can explore how a report becomes a letter for your review. No sign-up or credit report needed.

Interactive example · fictional information

CheckDispute owl with a document folder
  1. 1Check the source
  2. 2Review the letter
  3. 3Your decision

The supporting documents

Two records. One difference to review.

Credit report · page 1

Example Bank

Account ending 4821 · as of September 1, 2026

$1,240

Reported balance

Same-date statement · page 1

Example Bank

Account ending 4821 · as of September 1, 2026

$940

Statement balance

The example supports asking about this specific difference. It does not establish which record is correct.

What about the other accounts?

Sample Collections and Demo Auto Finance: this fictional case includes no supporting evidence of an error, so no letters are prepared for them.

You can dispute credit-report errors directly for free. Read the CFPB’s guidance.