Dispute tracker

Every dispute you send starts a legal clock, and the clock is only useful if someone is watching it. Log each dispute here and the tracker computes its investigation deadline and tells you when it lands. Your entries are stored only in this browser, on this device. Nothing is uploaded, there is no account, and clearing your browser data clears the tracker.

How the deadline is calculated

Under FCRA Section 611, a bureau generally has 30 days from receiving your dispute to finish its investigation, and 5 business days after that to notify you of the results. Two cases extend the investigation to 45 days: you disputed after receiving your free annual report, or you sent additional relevant information during the first 30 days, which can add 15 days. Check the boxes below when they apply and the tracker uses the right number. Identity theft blocks are different: they are due within 4 business days of a complete packet under Section 605B, so watch those by the calendar, not this 30-day clock.

Log a dispute


No disputes logged yet. Your first one takes about a minute with the dispute letter generator.

When the answer comes back

  1. Corrected or deleted: mark the outcome above, then pull that bureau’s report again to confirm the change is actually showing.
  2. Verified, still there: you may ask the bureau for a description of the procedure used to determine the item’s accuracy, which Section 611 provides for. You may also submit a brief statement of dispute to be included in your file, and you may dispute again with new evidence.
  3. No response past the deadline: write to the bureau again in writing, refer to your original dispute and its date, and keep copies. You may also file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov.
  4. Deleted, then back again: a bureau that reinserts a deleted item must notify you, generally within 5 business days of the reinsertion. Write to the bureau as soon as you see it return.

Your progress card

Progress you can share without sharing anything private. It counts disputes and outcomes only. No names, no accounts, no scores.

Progress card

Educational information only. This tracker is a personal organization tool, not financial or legal advice and not a credit repair service. Deadline estimates follow the general FCRA Section 611 periods described above; your actual deadline depends on when the bureau received your dispute and on your specific facts. Results vary and are not guaranteed.